davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TN)

XXXX XXXX XXXX did a consumer credit transaction with Santander Consumer USA. 
There was a down payment charge in this consumer credit transaction which is a violation of the TRUTH IN LENDING ACT. 
Violated Title 15 U.S. Code 1605 Violated Title 15 U.S. Code 1662 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The finance charge was NOT the sum of all the charges. Which is a violation of the Truth In Lending Act.

Violated Title 15 U.S. Code 1605 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 Santander Consumer USA never gave me notice of right to rescind or the applicable forms to do so. Which is a violation of the Truth In Lending Act.

Violated Title 15 U.S. Code 1635 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The retail installment contract the dealership provided on Santander Consumer USA behalf is a consumer credit contract which is an instrument.

16 Cfr 433.1d Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

The consumer credit contract fits the components of a promissory note.

Santander Consumer USA is a Financial Institution that is part of the FDIC.

Promissory notes are considered legal tender and can be deposited for credit.

Title 12 U.S. Code 1813L The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association, or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection.

Santander Consumer USA received my consumer credit contract/instrument and deposited it as an asset.

You, SANTANDER CONSUMER USA and its representatives/agents are Civilly & Criminally Liable for your transgression against me, a Consumer & Natural Person , under Title 15 U.S.C 1611 & Title 15 U.S.C 1640a ( 2 ) ( A ) ( i ).
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America allows me to create a new credit card online but it doesn't allow me to close my credit card account online which is against some state level subscription and payment laws and also just a dark pattern that should be prohibited federally if it is not already. There is no reason I should have to call the number and wait on hold, visit a bank branch, or write in to them to close my Alaska Credit card that has a XXXX balance and paid out in full each month. It makes no sense that they can not allow me to transact with them via their online interface other than to restrict my financial choices and hold my account hostage. The card has an annual fee and the only way to void the fee and cancel the card is to waste my time with AI agents that can not help me or wait on hold for a human.
Consumer complaint received 2021-07-16
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. (GA)

After reviewing my credit report today XX/XX/21, I noticed XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made a mortgage payment by phone to Bank of America on XX/XX/XXXX, in the amount of {$1400.00}. The payment was during the grace period, not yet late until after XX/XX/XXXX. 
I received a notice from BofA that " Your check or electronic payment, dated or drafted on XX/XX/XXXX for {$1400.00}, was returned to us by your financial institution because No A/C - Unable to Locate. '' I have 3 Pay From accounts on my BofA account. 2 of them I have used regularly for the past 6 years. The 3rd account was closed 6 years ago - when I tried to get it removed from my BofA Pay From accounts, they said it couldn't be done. 
When I made my payment by phone on XX/XX/XXXX, I was not asked to provide a checking account and routing number. Therefore, my assumption is that BofA programming tried to take the money from my CLOSED account ( I called Customer service, waited more than an hour to speak to someone, and when I reached them they said they couldn't help me, again ). 
Because BofA 's site programming won't allow the removal of a closed checking account ( even though they ask you EVERY time to provide ALL of your personal information to make sure things are 'current ' ), they didn't receive th payment I set up in time to be before the late/deliquent date. 
BofA now has charged me a late pmt fee of {$51.00}. Also, their policy is to assess a {$40.00} return for non-payment fee. ( this has not appeared on my account yet, but the late pmt fee has ).

Again, because this is BofA 's programming problem and I complied with all requirements for a timely payment based on  options defined as acceptable by BofA - I should not be charged any late, delinquent, non-payment, or other fees! If BofA had removed my closed account when I'd asked ( repeatedly ), I don't think this would have happened, because only active and correct accounts would in my Pay From options on my BofA mortgage account. 
Please let me know what other information I can provide to you so you can work with BofA on my behalf to get the total {$91.00} fees removed ASAP from my account. My credit rating is important to me, and I don't want BofA 's problem to cause my rating to be damaged in any way ( nor do I want to pay for fees that are not due to my error ). 
Thank you very much!
Consumer complaint received 2020-08-26
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: Financial Credit Network Inc (CA)

On XX/XX/2020, FINANCIAL CREDIT NETWORK INC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. I had requested FINANCIAL CREDIT NETWORK INC to validate the debt and there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, FINANCIAL CREDIT NETWORK INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunset Solutions Group, LLC (GA)

Sunset Solutions Group has called me several times using the phone numbers XXXX, XXXX, and XXXX. When I looked up this company on the website, I discovered the Toll Free number : XXXX and the Corporate Headquarters address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX. 
I made repeated attempts to call them and tell them that they were calling the wrong number and should be looking for someone else. My phone number will be removed off their list, they told me. But I'm still getting calls. I find this so frustrating because in addition to contacting the incorrect number, people are also receiving threats from this company. In order to resolve this issue properly, kindly assist me please.
Consumer complaint received 2020-07-21
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. (CA)

XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.
Consumer complaint received 2020-07-21
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. (CA)

XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I have asked to be granted the acceptance ( Escrow Waiver Form,, ) every year the bank chooses my homeowner and flood insurance coverage and policy limits. I pay, and should be able to chose which option FEMA sends me, not the bank just raise every year. Flagstad is a bank remote answers, however I should not be charged a additional high fee to pay my own bills, $ XXXX! This fee is exorbitant, unfair and am asking for leniancy so I can pay my obligation.many people have lost all no need to gouge or get all they can force people to pay, please help me achieve a small amount of leniancy to escrow waiver, for {$25.00} not {$350.00}.
Consumer complaint received 2020-09-12
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. (DE)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-07-21
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: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Consumer complaint received 2022-09-14
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: CBC Companies, Inc. (FL)

I am a victim of identity theft, I did not give consent for the loan from XXXX  XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Consumer complaint received 2022-09-14
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. (FL)

I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : 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 I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ; XXXX XXXX ( Original Creditor : FLORIDA XXXX ) XXXX ;
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: General Information Services, Inc (TX)

I received an employment offer from XXXX XXXX cable in XXXX XXXX on XX/XX/2016 pending a consumer background report investigation which was subsequently performed by General Information Services ( GIS ) based out of XXXX, XXXX. I then received an adverse action letter from GIS followed by an email from XXXX XXXX informing me the offer had been rescinded due to criminal conviction information reported by GIS. GIS reported criminal convictions to XXXX XXXX that antedated or preceded the report by more than 7 years which is a violation of XXXX Law, specifically XXXX Business and Commerce Code Chapter 20.05 which states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; ( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more. 

( b-1 ) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection ( a ) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033. 

The salary offered to me for this position as a Call Center Customer Retention Rep was {$13.00} per hour or {$28000.00} annually. 
I want to file a compliant that my FCRA rights were violated by GIS by the reporting of criminal convictions to XXXX XXXX cable that were in fact, older than 7 years, which directly led to my employment offer being rescinded, and caused harm to me.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I lost my job and immediately completed an Income Based Repayment request showing XXXX  income. I received an email from Navient, my federal loan servicer, stating that my payment would be {$0.00} beginning on XX/XX/XXXX. Upon logging into my Navient account online, they showed a balance of {$7.00} due XX/XX/XXXX.

I called customer service and spoke to a representative by the name of XXXX who said that the {$7.00} charge stems from a late fee. I show no record of ever making a payment late, so I asked when the fee was assessed and for the amount. He said that the fee was assess XX/XX/XXXX. I explained to him per what I was seeing on Navient 's website that a XX/XX/XXXX payment was made timely. After 45 minutes of being placed on hold, XXXX  came back to the line and then said that the fee was assessed by a previous loan servicer -- not by Navient. Again, I asked when the fee was assessed and the total charge of the fee. He placed me on hold for an additional ten minutes and came back to the line stating that he didn't have the information since it came from a previous servicer.

I asked to be transferred to a supervisor. After a 15 minute hold, I was transferred to XXXX, a Navient customer service supervisor. She said that XXXX   charged the fee ( I do not recall XXXX  ever servicing my loans ). Again, I asked when the fee was charge and for the amount. She could provide no information, and said instead that the " back office '' of Navient would have to investigate this further and get back to me. She indicated that Navient took over my loans in XX/XX/XXXX so this fee stems from some time before XX/XX/XXXX. It's now XX/XX/XXXX. I never recall being late on a payment. And now I find out that I've been paying a late fee for 7+ years that I never knew about.