davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX I got a car loan thru XXXX Santander, keep in mind the only loan that I was easily able to get.I was new to the car buying so I had no clue about interest rates blah blah.Anyways the first year and 2nd year in XXXX I was always on time every though every other day I was harassed with phone calls from Santander to pay a payment that was already paid.I started to struggle making payments when I just started to struggle a lot paying the loan.Its like every other day I was being told I owed them and didnt know why.So that cause me to start being late sometimes months.XX/XX/XXXX I paid over {$1800.00} I didnt even have which had me go homeless for awhile I just couldnt afford it.I went into a deep XXXX and was struggling all cause of this loan I couldnt pay my other bills on time.i found out they charged off my account thru my credit report.I called them and they told me I had to pay {$2300.00} to bring it back to current and stop the rep and I did! Once again.They called literally the next day again on XX/XX/XXXX saying I owed XXXX for XXXX and XX/XX/XXXX.Its just gotten to the point where this is unfair and I had to see what is going on with this.The price I financed the car for is what I owe on my credit.Which mean all this money that I been paying for this car since XX/XX/XXXX has gone to what?? Interest alone? Im just confuse, frustrated, struggling and feel XXXX! I need help cause Im stuck dealing with this car loan its XXXX  and a nightmare to go thru! They lie and manipulate me into paying then after they get my money they call the next day saying I owe again when I just payed them!!! They are XXXX! And what there doing is unfair
Consumer complaint received 2015-12-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FORD MOTOR CREDIT CO. (CO)

in XX/XX/XXXX I attempted to purchase a car from XXXX Ford In XXXX Colorado. I had a Hyundai that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a Ford Taurus. 

Shortly after taking possession of the vehicle, Ford Motor Credit began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

XX/XX/XXXX we left XXXX for 24 months. 

Ford Motor Credit wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX Ford . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX County District Court. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with Ford Motor Credit. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado XXXX XXXX XXXX XXXX XXXX that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this XXXX be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX XXXX, forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by Ford motor Credit which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (TX)

Had CC debt that was not being paid in XXXX XXXX. Chase charged off debt in XXXX. Issued a 1099 C in XXXX to IRS, sent XXXX to me at wrong address noted on 1099C. IRS contacted me I XXXX XXXX stating error on XXXX tax return and are demanding {$1600.00} payment immediately.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I went to a car dealership to get a car, I told them I want to finance through XXXX XXXX XXXX, they told me they would only apply for finance with XXXX XXXX XXXX and instead I ended up with all these hard inquiries below that I did not consent to. Upon reviewing my credit reports I noticed incorrect addresses, phone numbers and unauthorized inquiries. 

XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXXXXXX ( Experian ) XXXX XXXX
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BBVA FINANCIAL CORPORATION (AZ)

Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I HAVE MY BANK ACCOUNT WITH WELLS FARGO BANK IN XXXX XXXX NEVADA. I LIVE IN XXXX XXXX XXXX AND AFTER 8 YEARS LIVING HERE I AM RETURNING TO XXXX XXXX MONDAY XX/XX/XXXX WITH XXXX XXXX. TONIGHT I DISCOVERED WELLS FARGO CANCELED MY DEBIT CARD AND NEVER EMAILED ME ABOUT TAKING THIS ACTION ... .MY MONTHLY CHECK IS TO BE DEPOSITED INTO MY BANK ACCOUNT BUT I HAVE KNOW WAY OF WITHDRAWING CASH FROM A BANK MACHINE HERE IN XXXX . 
I NEVER ASKED THEM TO CLOSE THIS BANK CARD DOWN ... THERE WAS AN ISSUE WITH XXXX XXXX CHARGING ME {$100.00} FOR AN UPGRADE TO MY TICKET AND I ASKED WELLS FARGO HOW TO CORRECT THE PROBLEM ... THEY SAID TO CANCEL MY CARD AS NOT TO HAVE A FRAUD ISSUE. I TOLD THEM " NO-WAY '' AND NOT TO PURSUE THIS THE PROCESS OF CLOSING THE CARD ... THEY TOLD ME OK ... AND VERIFIED MY CARD WORLD BE USABLE ... THEY LIED AND SHUT MY CARD OFF LEAVING ME STRANDED IN A FOREIGN COUNTRY WITH NO FUNDS TO TRAVEL WITH ... THEY OFFERED NO SOLUTION AND THE SUPERVISOR HUNG UP ON ME ... THEY COULD CARE LESS FOR THEIR MISTAKE ... 
2 YEARS AGO THEY DID THE SAME THING TO ME CLOSING 2 BANK CARDS DOWN ONCE AGAIN LEAVING ME STRANDED ... I AM SO FED UP WITH WELLS FARGO THEY ARE THE MOST ASININE BANK IN THE WORLD AND OVER MY LAST 4 YEARS OF BANKING WITH THEM HAVE DONE SEVERAL THINGS TO ME CAUSING HARDSHIP AND STRESS BUT NEVER EVER ANY SOLUTIONS TO THEIR INCOMPETENCE ... 
THEY NEVER HAVE THE SAME STORY OR INFORMATION TO OFFER UP FOR THEIR ACTIONS ... THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING ... I CALLED TONIGHT SPEAKING WITH A CUSTOMER SERVICE AGENT WHO TOLD ME MY ACCOUNT HAD NO PROBLEMS AND ASSURED ME ALL WAS OK. I HAVE A PAYMENT DUE FROM A BUSINESS I MAY A MONTHLY PAYMENT TO ONLY TO DISCOVER THEY COULD NOT ACCESS THE ONLINE PAYMENT. AFTER CALLING WELLS FARGO 3 TIMES FINALLY I GOT THE STRAIGHT ANSWER ... MY CARD WAS SHUT DOWN ... BUT NO COMMUNICATION BY EMAIL OF THIS ACTION ... THEY HAVE NO PROBLEM EMAILING ME FOR STUPID STUFF BUT ANYTHING SERIOUS ... NOTHING!!! 
WELLS FARGO IS NOTORIOUS FOR BAD SERVICE AND CHARGING FEE 'S TO RIP OFF THEIR CUSTOMERS MAKING BILLIONS ONLY TO PAY A FINE AND FIND THE NEXT WAY OF REPEATING BAD SERVICE AND SCRUPULOUS CONDUCT BEING GREEDY AND JUST PLAIN THIEF 'S ... 
UPON RETURNING I WILL CLOSE EVERYTHING DOWN BUT THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR MISTAKES AND ACTIONS AND LACK OF CONCERNS ABOUT THEIR CUSTOMERS WELL BEING OR EVER TRYING TO GO THE EXTRA MILE BUY WIRING ME FUNDS WHICH THEY WILL NOT DO ... 
I AM LEFT IN AN EMERGENCY SITUATION ... AND THEY CARE LESS ... DESPICABLE TO SAY THE LEAST ... XXXX OFF IN XXXX TO SAY THE LEAST!!!
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

It ( credit report ) says : XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 SANTANDER Original creditor XXXX   Opened XX/XX/XXXX ( 3 yrs, 2 mos ) ( not true ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 14 SANTANDER
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have requesting correction or removal of the derogatory account reporting from XXXX XXXX   XXXX time in the last couple of years. This account was paid in full under no settlement or otherwise stated. This account was never late or every a collection account. The company has corrected the information with only XXXX credit reporting agency and the derogatory information of a charge off is still being reported on my XXXX credit disclosure. Date of request were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On my last request to dispute the company had the audacity to not only NOT correct the inaccuracy but to change the corrected CRA file to report negatively. This account was paid in full on XX/XX/XXXX therefor could not be a collection account or late or derogatory in XX/XX/XXXX or XX/XX/XXXX as reported.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AZ)

Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
Consumer complaint received 2017-01-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My loan is with Colorado Housing and Financial Authority. I was approved for a loan modification XX/XX/XXXX and although I had late payment my loan was brought current XX/XX/XXXX. I made my XX/XX/XXXX on time. I filed Chapter XXXX bankruptcy XX/XX/XXXX and although it is my understanding my attorney did not file a reaffirmation, the modification was completed after the discharge of the bankruptcy. I have continued to make payment on my XXXX mortgage, however, despite repeated attempts to get an accounting of my payments I am told due to my bankruptcy they can not send any documentation. 
I received a Notice of Breach on XX/XX/XXXX even though the post mark was 10 days later. I paid the amount of the breach before the deadline and also made my XX/XX/XXXX payment before the delinquent date, as well as applying " unapplied balance to my escrow account. 

My escrow account : I changed my homeowner 's insurance XX/XX/XXXX to save approximately {$700.00} per year. I requested my insurance agent send the invoice to CHAFA to pay. CHAFA paid ( overpaid ) the old insurance company for which it took me almost 7 weeks to locate ( I had been with them since I purchased my home in XXXX. I advised CHAFA of the change and was told I would be responsible to pay the new insurer ( Farmer 's ) and have to obtain a refund from the old insurance company. I received a notice from XXXX which was not the agreed upon cost of the policy and XXXX adjusted my account and I paid the premium to XXXX. In the meantime, CHAFA paid XXXX, again, for the inflated premium and NOT the correct amount. 
CHAFA refused to provide me any documentation as to the status of my loan and today I received a letter that they are continuing with acceleration and foreclosure despite my loan is current, as is my XXXX loan. The letter dated XX/XX/XXXX ( the day I made my XX/XX/XXXX payment ) is postmarked XX/XX/XXXX which is the usual mailing delay with any communication I receive. When contacting CHAFA I am transferred all around from customer service, to collections, to the bankruptcy department and all say the other is responsible for lifting the block for online access or correspondence. In fact, when I call and am given instructions regarding payment, when I actually call back to complete the directions ... they have changed ... In fact, my payment amount has increased 4 times in the past 4 months and I have yet to receive any documentation explaining WHY ... WHEN ... HOW LONG?? So I am making payments NOT the {$1700.00} in the loan modification from XX/XX/XXXX BUT {$2000.00}??!!
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SD)

Hello, I lived in a property that had such a poor reputation by the people who lived there it had to be renamed from : XXXX to XXXX in XXXX, XXXX. The properties management company was out of state ( XXXX apartments ) and a rental office was on site. The XXXX did not communicate well, and after a man was shot and killed in the garage of the complex I decided not to resign my lease. My relationship with the office was poor already because I called homelinemn on them because none of the properties out door security parking lot lights were functioning and because of the shooting I felt incredibly unsafe. I made a verbal agreement with the office manager in the leasing office on property who told me that was fine and to write out a letter and bring it back to him when I had time. I made XXXX attempts to bring it in, once he was not in, and once the office leasing agents asked me to come back later because they were preparing for their holiday party. I obliged and I brought it in the next week. 

When we moved out we assumed that some of our XXXX XXXX dollar deposit would go towards the two years of wear and tear of living there, however once we left we received XXXX invoices, the first had less charges then the second which also now said we owed a months rent for not getting our letter to leave in on time. The charges owed took our deposit and demanded an additional XXXX. This invoiced sited things like the black mold on the window seals and toilet, photo charges for them to take pictures of that mold, dog fesses they found outside they said was my dogs, new closet doors because the doors they replaced while we were there did n't match, and a late charge of XXXX month 's rent from the property management for not submitting my letter to leave in time, something I was verbally told by the leasing office was fine, and was attempted twice. 

We went to the XXXX XXXX XXXX XXXX XXXX ( who should have a file on this still ) and spoke with someone who said they could have helped with this had we still been living there but that because we moved and the bill came after they could not. 

Because we refused to pay they forwarded the charges to collections and now I am called at all hours of the day from debt collectors and my parent get harassing mail sent to their home address in XXXX. Please help me stop this. This was a wrongful charge, I believe they sent this to collections and did n't take us to small claims court because they knew they would lose. And this XXXX thing is making my credit score suffer. I need your help in removing this or at the very least asking them to stop harassing my family. I have copies of the charges and the letter they send my parents monthly. Please let me know if you would like these documents. 

Thank you,
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Monterey Financial Services LLC (NY)

This is my initial complaint against XXXX and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, Monterey Collection, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and XXXX about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & Monterey Collections due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and XXXX are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, Monterey Collection is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is Monterey reporting 2 different account statuses? I reached out to Monterey &  XXXX XXXX and I have yet to receive an response.
Consumer complaint received 2015-12-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you may now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX