davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018. 
At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments. 
Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel. 
I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical. 
I am submitting this complaint as I am unable to contact the company through the means they provided.
Consumer complaint received 2018-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX my credit report was completely wiped out leaving only 2 collection accounts, and 4 hard inquires. I called in to inquire and was told that the accounts could not be added back until the creditor adds them back per law. On XX/XX/XXXX, everything had been reinserted including things that had been previously removed due to being disputed. I was NEVER given a 5 business day  notification per FCRA and has since been blocked from being able to view my report online. Since I have also been notified that my credit reports have been going to a wrong address that I have also disputed. I called in and they advised me that I had requested to have the address changed which was a lie. They also sent me a credit report with my name and the wrong last 4 of social. I called in and they denied that too. I would like to know who is responsible for holding this company responsible? Are they NOT to follow the laws and guidelines established by the CFPB and FCRA? I have filed a separate complaint with the CFPB that is still open and what Equifax has done was place EVERYTHING back into dispute without my request which is another violation. Who will ever hold them accountable for their actions? Is this something that is often pushed under the rug? Whats the puropose of CFPB and FCRA if you guys will not hold them accountable?
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX  across the board.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Dear CPFB, I am writing to file a complaint regarding a serious issue with Capital One. XXXX was used to pay my state filing fees. However, my tax preparer entered the wrong bank account and this mistake was not discovered until I did not receive the scheduled deposit. As a result, the money was mistakenly deposited into an account at Capital One Bank, despite the fact that I have never banked with Capital One and my name is not on the account in question. I have contacted both XXXX XXXX XXXX XXXX XXXX and Capital One Bank in an attempt to rectify this error, but have been met with refusal and excuses. Capital One Bank refuses to return the money, claiming that they are unable to do so, while XXXX XXXX XXXX XXXX XXXX has stated that they are unable to rectify the situation. This has caused me significant financial loss and undue stress, as I rely on my tax refund to cover important expenses. I urge CPFB to investigate this matter thoroughly and take appropriate action to ensure that I receive the money that is rightfully mine. This mistake was not of my doing and I should not be made to suffer the consequences of the negligence of XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

I was recently added as an Authorized User to an American Express credit card without my knowledge. Reading the FDIC website for consumer protection Section 226.12 paragraph 12 ( a ) ( 1 ) states that a request or application for a card must be explicit. However, # 6 of the same paragraph allows the primary cardholder to request a credit card for anyone else. 

Apparently the exploitation of this legal-ese grey area allowed the credit card to be opened which then caused my credit score to decrease by nearly XXXX points ; in effect holding ME financially responsible for its use. 

When the account appeared on my credit report I immediately reported this to the credit bureaus and the CFPB : as not being my account, nor did I submit an application, or give approval to be an authorized user. The response from American Express to the CFPB complaint was that they are reporting accurately. 

My question isHow can an issuer give credit without authorization, affect my credit by reporting an account I did not authorize, and advise they are reporting an account accurately? Is that some type of childish word game? e.g. their response was almost mocking ; it may be fraud, but were reporting it accurately! 

I called the CFPB when I received the complaint response and was advised to write the FTC. Per their suggestion I have written the FTC the details of the unfair practice. 

I would like to submit this complaint/ account as fraud to stop any reporting to my credit report. I, again, did not request this account, have ever requested credit from American Express, or have knowledge of its opening, not will I ever request an account from American Express in the future. Also, all this was done while my credit line was purposefully frozen. 

My next course of action is a local consumer protections attorney as I am currently loan shopping. This fraudulent account ( and credit score reporting ) is causing a burdensome financial impact by affecting my chances at better tiered rates.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have had this Capital One credit account for 17 years and 3 months. It is the oldest account on my credit report. I have called numerous times over the past three years requesting that they send me a new card so that I can utilize it. With no response by mail or phone, I have still not received the card. Today ( XX/XX/XXXX ) when checking my account I have noticed that they had cancelled my account. I promptly called and asked why my account had been closed. They stated that I have not used my account for 36 months and that they have closed the account on ( XX/XX/XXXX ). I asked how I was able to use the account when I have not received the replacement card that I have requested. They admittingly said that they had sent mail to a different address but not the one that was currently on my account and received returned mail. I asked if they could just send me a new card at this point and reopen the account since it was an error on their behalf. Granted I had not received a letter of account closure and I had called only three days since they closed the account. They stated that they could not because of the fact that the account has had no activity. At this point, I am confused about why this is my fault or issues when there was an obvious mistake on their part. I also do not want my credit score to be affected being that it is the oldest card in my history. I am very prideful in my credit score that I have attained and would like to continue to retain it.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

Equifax has a system of checking to see if it's really you by asking XXXX questions about what's on the report and no matter what you answer, it will say that you gave incorrect information and you can't get your report online. You have to print a form, fill it out and mail it in. Equifax does this same XXXX EVERY YEAR. I am trying to get my report to see what's on it, IF I KNEW WHAT'S ON IT I WOULDN'T NEED TO ASK EQUIFAX. All the questions EQUIFAX asks in regard to what might be on a person 's account are bogus. They've been getting away with this XXXX for YEARS! 

Besides filling out a paper application and mailing it in, they request copies of these items : Social Security card / Pay stub with Social Security number / W2 Form / Driver 's License Rental or lease agreement/house deed / Pay stub with address / Utility bill ( gas, electric, water, cable, residential telephone bills ) It's obvious that EQUIFAX resents having to supply the consumer with free information and they make it as difficult as possible to get it. Why don't the government authorities do something about this?
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was informed over the phone on XX/XX/XXXX, while trying to log into my bank account and not being permitted, that my bank involuntarily closed my account. ( I later surmised this actually was initiated on XX/XX/XXXX, due to an email regarding my XXXX email was being removed bc the account is being closed ). I only received official notification by mail on XXXX XXXX 13 days after this business decision was made. ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have called my banks dept that handles this and continue to be told XXXX days I will receive a cashiers check with my funds. My account balance was over {$7000.00} at closure and its been NESRLY a month and the bank has not sent my money! I HAVE bills to pay IMMEDIATELY and I need MY MONEY to do this and its MY MONEY. WHAT IS THE ISSUE?!? SOMEONE HELP ME IMMEDIATELY BEFORE I LOSE MY HOUSE
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX La XXXX and the bank Santander Consumer USA for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for XXXX term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called Santander to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. Santander claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from Santander. I also did not receive any mailing correspondence from them, and that after confirming with UPS they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
Santander submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : XXXX I did not receive any correspondence from Santander regarding this. 
2- Santander did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
Santander have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against Santander. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that Santander did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from Navy Federal was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by XXXX that the information is verified as accurate. How can that be so, if it is not my account? Please handle both XXXX and Navy Federal in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

This started on on XX/XX/XXXX / i get paid from my employer on a weekly bases / so i make weekly payments to all my credit accounts/ when i got this card i was only given a {$500.00} limit / so when i use it weekly my balance gets high so i make payments weekly that way i have avil credit to use the card and to gain more rewards / i made a payment on XX/XX/XXXX amount XXXX / then the follow week i was about to make another payments however i noticed my avil bal was lower and didn't reflect my balance / so i called XX/XX/XXXX talked to a rep and she stated it was due to me making weekly payments and only 2 or 4 % off all payments we held / and she was able to release the funds since i had a good history / and she advised me that i would need to call in to make a debit card payment since they don't hold those payments / so i made a debit card payment onXX/XX/XXXX for {$120.00} and it wasn't held / so then on XX/XX/XXXX i didn't have time to hold to talk to a rep to do the debit card payment so i did it online / then when making a payment onXX/XX/XXXX i noticed they held the funds from my account again for the full amount of this payment / called and was told sorry no one you can talk to about this to call back and talk to a payment dept / So i tried calling todayXX/XX/XXXX due to my acct having a {$20.00} balance but only having {$210.00} avil out of my {$500.00} credit limit / this is really effecting my credit utilization and as well all these payments have been cleared from my bank over 7 days / i talked to a rep today and she didn't know what was going on / was on lunch break and told her i had a short time to talk / so she put me on hold / and didn't come back / so i had to hang up and go back to work / this has been such an issue and no other banks have put me thur this and this has to be resolved!!! i'm sure im not the only person in this world that makes weekly payments.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (TX)

Simple closed my account without telling me they were going to do it when I reported checks missing in the mail. They instantly canceled by debit card and all transactions out. Only when I contacted them did they tell me what they had done. 
They told me I could go to any physical bank and do cash advances on the debit card of up to XXXXUSD ever 24 hours, but I needed to call each time. I did that once, and then the next day they said the agent was wrong and I cant do that. 
They told me that and deposits ( payroll ) would be rejected. However that was not the case. My paycheck was accepted by them, but I cant get the money out with a cash advance as I was previously told. The next agent told me the former agent was wrong to tell me that. 
The now 5th agent I talked to said they would rush deliver via XXXX a check for the remainder of my funds and Id have it by the end of the week. 
That was 3 weeks ago.

They will not respond to support messages. My calls are routed to infinite hold. 
They are currently holding over XXXXUSD of mine and I am paying for all expenses with credit card in the interim. Soon enough, I will need to pay that credit card. Soon enough I will need to pay rent. If I miss rent payment by 1 day I can be evicted at my own cost because Texas is the most America of America.

Stay away from Simple if you dont want to be homeless.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (UT)

I submitted a payment to Kia Finance America for my XXXX Kia XXXX in the amount of {$490.00} on XX/XX/XXXX. I sold my car to a private dealer named XXXX and XXXX sent a payoff check to Kia Finance in the amount of {$16000.00} which was received on XX/XX/XXXX. This resulted in an overage payment of about {$500.00}. I called Kia Finance on XX/XX/XXXX and was placed on a long hold. I was also transferred to a supervisor but the call got disconnected. I requested from both the representative and the supervisor that the overage check to be sent to my mailing address, not the dealer. I explained to them if the overage check is sent to XXXX, then it would cause a lot of confusion and it would be very difficult process for me to obtain that overage payment back. I also involved XXXX XXXX XXXXXXXX XXXX XXXX department to see if there is any other solution. The XXXX XXXX XXXXXXXX representative also had a hard time reaching someone at Kia Finance and he stated that they keep disconnecting the phone call. Please see attached message from XXXX XXXX XXXXXXXX stating they were unsuccessful in reaching Kia Finance due to the calls getting disconnected.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i have asked TRANSUNION, XXXX AND XXXX to provide proof of the late payments that are currently reporting on my current credit reporting. i have never been late as a matter of fact all my payments comes out automatically XXXX from my checking account. i have reached out to the creditors as well and they keep telling me that they will investagate the issue, however they never get back with me as well.