davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (WA)

In short I have this issue with Chrysler for over 5 year. I purchased a vehicle in my early 20s,  a used XXXX. Having buyers remorse I returned the vehicle to the lot and was told that it would not effect my account or credit because it was not pass the first initial payment. Taking their word for it I delivered the car in great condition and gave them the keys. Month later and so on I am getting charged for the vehicle as if I still own the vehicle. However when I called and asked about the situation they were nasty about it and did not stand by their word and continued to charge me even after being sold ( the vehicle ). They refuse to take it off my report and I am not settling for anything more than the time I physically owned the vehicle. Less than a month which should be {$400.00}.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outragous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX XXXX   XXXX XXXX {$570.00}
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/2023, to remove some items that are UNKNOWN to me. I require you to remove/block any items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I disputed a transaction with my Citi Visa card where the merchant did not repair a broken desk chair that was missing parts on arrival, and Citi declined my chargeback.
Consumer complaint received 2020-05-06
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: JPMORGAN CHASE & CO. (NY)

Last XX/XX/2020 after first getting no response to my fax request from last XX/XX/2020, XXXX XXXX XXXX XXXX. ( c/o XXXX XXXX ) in Georgia over the phone assigned me a reference number XXXX for their technical department to confirm to me by e-mail within a week why they are not able to complete my online registration and refusal to allow American expats to give either a fax and/or online access which our SSA ( Social Security Administration ) redressed when I filed a complaint that without a US mobile number I could no longer have online access to my account to avoid discrimination and the SSA received other numerous complaints they got from the evaluated 9 millions Americans living abroad Further, last XX/XX/2020, since over the phone XXXX keeps not being able to identify me and had thus much difficulty transferring me to their Consumer Affairs Deot. I also filed over the phone with their Consumer affairs office in Georgia a second complaint today ( their ref. XXXX c/o XXXX XXXX ) that the additional financial questions based on the credit report received at my Us mailing address and generated by phone do not match what's on the credit report which as a result unable customer reps to see my files and thus also transfer me directly without delay to their Consumer Affairs dept. located in Georgia.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Suspense account monies from my mortgage were misappropriated without my permission or notice for over a years. The funds are STILL misappropriated.. Recently, Loancare told me Suspense money could be transferred to " unapplied funds '' and then used to pay what the company needed. In my case, the Suspense funds were taken out of Suspense and put in escrow without my knowledge or consent.. If there is a shortfall in escrow, the company is required to notify me and provide the option of paying the shortage or having it added to monthly billing statements. I was not told there was a shortfall. The monthly statements showed a positive funding. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loan ( because that is what they were doing ) .. I tried for OVER A YEAR to straighten this out. XXXX never responded. Loan care only responded in an XXXX letter. LOANCARE and XXXX lied to me over and over on the phone. XXXX : " We are still researching what became of that payment ... you should contact your new service provided, Loancare. XXXX never reported a delinquency to Loancare or to the credit bureaus. '' Then, Loancare, after lying since XX/XX/XXXX and saying " we're still researching '' in XXXX, XXXX during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's XXXX '' ; you got ta call XXXX. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT. FALSE. NEITHER THE MORTGAGECONTRACT, XXXX NOR LOANCARE HAS EVER PRODUCED A DOCUMENT TO SUPPORT THIS. There is no " unassigned funds '' account. It doesn't exist. Every document from XXXX XXXX, XXXX and Loancare only provides for partial payments to be kept in a separate " suspense account. '' PLEASE read the attached letter. Only recently I found out about the absolute distuction of my credit. I can't co-sign my kids college loans, I can't get a personal loan -- -because these companies misappropriated money and lied about it..Why are you allowing this to happen -- to just accept at face value the lies they tell " we can send money to Suspense or Unassigned funds or use it however me need without noticing you or getting permission. '' They have violated the language of their own rules and assurances. If you add up what these companies have BILLED me over 2 1/2 years and add up what I have paid over the time, I HAVE PAID MORE THAN WHAT HAS BEEN BILLED. " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX/XXXX XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX   XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (CT)

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (IN)

Experian XXXXXXXX XXXX XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a new Safe-to-Spend checking account with Simple Bank, an online-only bank ( www.simple.com ), on XX/XX/2019. I attempted to transfer funds from an account that I have with an external bank into this new checking account with Simple Bank but received an e-mail from Simple Bank on XX/XX/2019 stating that Simple Bank had frozen my new checking account. 

Per the e-mail, Simple Bank is requesting several sensitive documents from me containing my personal information such as color photos of my social security card and government-issued photo identification as well as my two most recent bank statements for the external bank account from which I attempted to transfer funds to my new Simple Bank checking account. I refused to provide this information as it is very sensitive, personal information that I felt that Simple Bank did not need to verify my identity. I have successfully done business with other banks without needing to provide this information. 

I have had several phone conversations with Simple Bank to negotiate a solution in lieu of providing this information, including closing this account. However, Simple Bank refused. Instead, Simple Bank sent me two more messages on XX/XX/2019 and XX/XX/2019 requesting this documentation from me. Simple Bank continues to insist on me providing this documentation and will not grant my requests to close this account. My account remains " frozen '' with Simple Bank refusing to close my account or allow me access to my funds ( ~ {$5000.00} ). 

I am extremely upset and dissatisfied with Simple Bank throughout this process for requesting sensitive private documentation from me as well as refusing me access to my funds or to close this account. My experience has been completely the opposite of Simple Bank 's slogans and marketing that suggest their customer service is better than other banks.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (ID)

Re : Fraudulent use of our American Express card by the merchant : XXXX XXXX XXXX on XX/XX/XXXX, and AMEX refusal to correct it. 
AMEX card charged : {$820.00} The company XXXX XXXX XXXX has double-charged our company for a single stay in their XXXX XXXX, CA location ( XXXX ) XXXX. The manager is XXXX XXXX of that location. We have complained about this to the American Express credit card company regarding this, but they have ignored us and are forcing us to pay for both amounts, refusing to look at the fact that we have NOT authorized the second charge, thus making it fraudulent. To this day the American Express and the Merchant refuse to give us any proof of purchase for the second charge ( double charge ) but have forced us to pay. 

History : On XX/XX/XXXX, our company has made a purchase for a seven-night stay ( from XX/XX/XXXX XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX, CA location hotel for one of its employees. We subsequently have gotten a confirmation email and were happy with the purchase. 

To our bewilderment, the next day, the American Express messaged us that the large purchase has been made for another identical amount of {$820.00}. We were thus charged twice for the same stay at the hotel. 

XXXX has immediately contacted XXXX XXXX in XXXX XXXX only to learn that they do not process such requests, and we needed to call their HQ in XXXX, NC to get this straighten out. Since it was late on Friday, the HQ was closed, and XXXX was forced to call them on Monday only to learn that the purchases were NOT refundable. The merchant refused to acknowledge the fact that it was their technical error that has caused a double charge evidenced by only one purchase receipt ( email ) sent out by their system to XXXX, for only ONE guest staying in the same hotel on the same seven-night stay ( therefore one person could not have stayed at two rooms simultaneously ). 

Out of desperation, XXXX has reached and talked to the XXXX XXXX property Manager, who oddly and perhaps in retrospect very telling, has refused to accept the company 's mistake. We have also reached out to the American Express, but they refuse to credit it on the card. 

The Manager called us and left a voice mail ( we have that file for review if needed ) 14 days before the actual date of stay acknowledging that there was a double charge and she wanted to make sure that there were not two rooms reserved under the same name. We have called back and confirmed the double charge by their system. The reservation was made with a cancellation policy on the day of arrival ( XX/XX/XXXX before XXXX XXXX  ). Since we have talked to her and canceled double charge by XXXX XXXX on the XXXX of XXXX, the second charge should have been credited. But was not. 

PLEASE read the CANCELLATION POLICY on a receipt ( proof of purchase ) - attached Thank you for reading it.
Consumer complaint received 2017-08-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Oracle Financial Group LLC. (NV)

Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. BANCORP (VA)

I refinanced my vehicle with another bank and sent the payoff check to US bank who holds my lease. US bank said they needed paperwork and I faxed it in to them, I kept calling in to see if they received it and they kept saying they never received anything, I called to ask if I needed to make a car payment since my refinance was being processed the rep told me I dont have to make a payment ( on a recorded line ). US bank ended up saying I was late on my payment and it affected my credit score. Ive never been late on a payment since XXXX and always paid more than I had to. I called in to dispute the credit reporting and they said they found no evidence of wrong doing on their part even though a rep told me I didnt need to make a payment on a recorded line, very unfair and deceptive practices. I kept calling in the see if my refinance went through and got no help. I spoke to a rep XX/XX/XXXX and they told me they received my paperwork on XX/XX/XXXX and didnt know why it wasnt being processed. I found out today XX/XX/XXXX that the refinance was finally being processed ( after months XXXX. I have been calling since XXXX to get this issue resolved. I dont think me or my credit should suffer because of this. I know if you investigate this matter and listen to all the phone calls with US bank and I, you will find Ive done nothing wrong and have been completely respectful. These unfair and deceptive practices have hurt me in the worst way. I have been a loyal customer to US bank and I dont understand any of this treatment.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amscot Corporation (FL)

XX/XX/2020, A past employee, XXXX XXXX, deposited his paycheck from my business, using mobile banking. The same day, XXXX XXXX went to a check cashing store and cashed the check. When XXXX XXXX XXXX XXXX presented the check for deposit, it was denied. 
XXXX XXXX XXXX XXXX has been sending me letters and copies of statues on commercial codes, that I am responsible to make the check good, plus fees. 
I have denied their claim, stating that XXXX XXXX, the original bearer of the check, who first came into possession of the check, deposited the his original check. 
I have sent XXXX XXXX XXXX XXXX banking contact information for means to resolve their issue, but they still pursue me. I made a recorded and written statements for them not to call me or send letters for mean of collection, but they still do. 
I am advised by my bank that if XXXX XXXX XXXX XXXX had done their due diligence at the time of the transaction, their check verify, would have denied the approval. Per XXXX XXXX, CA, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX has all the copies of letters, emails & checks. 
AFTER this is reviewed, if needed, I will be happy to forward copies of correspondence & attachments. 
I want them to stop trying to collect on a debt I, my business, does not owe. 
And I want a letter that they resend their claim.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COAST PROFESSIONAL INC (MA)

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with Coast Professional , Inc to get a  reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan.

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit.

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.