davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

This complaint is in reference to Santander Consumer USA account # XXXX. I have sent legal documents to this company that releases me from any and all obligations to the allege account. I have sent several certified mail receipt USPS to this company. Until recently, I receive a document from this company to remove there name from my credit report. However, this account is still showing on my XXXX Credit report as a charge- off account. This company has not complied to any of the federal guidelines in reference to credit reporting. According to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ), a company is required by federal law to verify- through physical verification - any and all accounts they report to the credit reporting agencies. Otherwise, anyone paying for credit reporting services can fax, mail, or email in fraudulent account information. On numerous occasion I presented documentation of this account not belonging to me. After several attempts, the company finally responded. I have enclose document receive with this complaint. I have been keeping a careful record of my communication with this company for legal purposes only. Considering Santander is acting in bad faith, I am prepare to file charges against this company for ; Defamation, Negligent enablement of Identity fraud, and violation of the fair debt collection practices act ( including but not limited to section XXXX ) if this matter persist.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC (CA)

XX/XX/year>. I noticed on my bank statement that they continue to take automatic payments out multiple times a month tried to ask for information when I called and they just want all my information again my Social Security number, my address everything that they supposedly already had to be able to do the transaction. I cant talk to nobody to get any other information because they want all my information to talk to somebody and Im not giving that out again because Im already having issues they have taken out Monthly payments 23 times month
Consumer complaint received 2020-06-24
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 initiated a dispute with XXXX  on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet XXXX  is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Consumer complaint received 2020-06-24
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. (TX)

I initiated a dispute with Equifax on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet Equifax is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Consumer complaint received 2016-12-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc. (FL)

We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EGL US, LLC (CA)

I paid my account balance with BMG Loan in full to {$0.00} on XX/XX/XXXX. However, BMG Loan has not reported my correct account status as paid in full with a {$0.00} balance to XXXX and XXXX. I have made several contact phone attempts with BMG and requested this is resolved. I have also submitted multiple disputes with both XXXX and XXXX. I even provided proof of payment in full to {$0.00} to both XXXX and XXXX, but both XXXX and XXXX are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from BMG Loan regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from BMG name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by XXXX and XXXX. 
XXXX. ) Account Name_ BMG Loan- Account Number : XXXX XXXX and XXXX : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
BMG MONEY # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Wrong ; Should be rating for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my XXXX dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from BMG Loan XX/XX/XXXX, and the thank you email from BMG that I settled the account.
Consumer complaint received 2020-06-24
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. (TX)

I launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX. THIS IS false reporting.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient has created a false account under my name with an address that I have never lived, They have been reporting inaccurate & incorrect information on my credit file. and has been adding ridiculous fees & interest of {$200.00} to XXXX every month.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

I had a deposit of {$95000.00} made to my Venmo from a casino win. I contacted venmo prior to the deposit being made and was told since my identity was verified, I would have no issues receiving the deposit. Was told that I could withdrawal {$20000.00} per month to my bank account and send {$60000.00} per month out or use my Venmo debit card for those funds. 

Within 2 days, they froze my account. And 2 days later deactivated my account and said they were holding the funds for a minimum of 180 days, and I MIGHT receive my funds back after that. 

I am in the middle of XXXX treatments : that money will literally save my life and pay my bills, I have XXXX young daughters and I can not wait 6 months to get my funds back. Please, please help me.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (CA)

The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc. (CA)

On XXXX XXXX, 2016, I received a demand letter from Credit Corp. Solutions, Inc in the amount of {$6900.00}. 

I am disputing this demand letter of XXXX, because it does not belong to me. I want proof of this debt of identity of who opened this account. 

Also, the demand letter was written in XXXX I do not read, write, or speak XXXX. This letter should have been written and sent to me in XXXX.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I noticed a purchase at target that I did not do. I contacted target and they saw no information on my account and told me to dispute the charge. Afterwards I spoke with a manager at target who said they traced the charge and it was to an account that did not match my email or phone number. On XX/XX/XXXX I contacted chime and was told there was fraudulent activity and they would start a claim and issue me a new card. Less than XXXX hours later the claim was denied with no reasoning. I then opened a claim with the consumer finance protection on XXXX. On XX/XX/XXXX the company responded that they were still looking into it. On XX/XX/XXXX they responded that the issue did deem a better investigation and they would handle it. On XXXX ( XXXX business days later ) they closed the dispute AGAIN without even contacting the merchant or looking into the charge. They now refuse to provide any information. If they contacted the merchant they would see that the name and email and phone number do not match nor is it tied to my account.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pohler and Associates, LLC (OH)

In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.
Consumer complaint received 2015-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2016-01-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: SYNCHRONY FINANCIAL (FL)

I linked my XXXX XXXX XXXX checking account to PayPal and then used PayPal as an intermediary to pay a friend. I was given the impression that PayPal would deduct the amount I wired my friend from my checking account, similar to how Venmo payments occur. However, this never occurred. Instead, by linking my XXXX account to PayPal, PayPal slyly opened a credit card account unbeknownst to me and used the " funds '' on this credit card account to pay my friend. This credit card account is now in collections and I have been referred to a debit collector for an account I was never aware I opened.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (VA)

Good afternoon, This lender is intentionally misleading consumers about using solar tax credits to cover their " pre-payment, '' so they can make their loan look better. In order to get the principal down within a year to keep a preferred monthly payment. 

They advise you that if eligible for a tax credit then you use that to cover the principal curtailment. Which almost everyone is eligible if you pay for solar. They intentionally avoid clarity on what how the tax credit is paid out and they also intentionally designed their contract to make you believe that, as long as you are " eligible '' then you get it all back cash in hand to pay the loan down. 

Even if I spoke to no one about this ever on their end, their contract is intentionally designed to mislead consumers. All they say is to check your eligibility. Make sure you are eligible with a tax professional etc. 

At the end of page 2 of the original contract, the lender tells you " Additionally, if You are not eligible to receive a federal solar investment tax credit You will not be able to use the proceeds of Your tax credit to make a voluntary prepayment as described below. '' Meaning, all I had to do was confirm I was eligible for the credit. Which I did. They intentionally imply if you are eligible then that's all you need to worry about. Then to further prove my point that they are intentionally misleading, later in the contract they use the exact same number by percentage and dollar amount of the federal tax credit as the amount you must pay to get the benefit of lower payments by the time they re-amortize. 

Coupling this with the way they pass off HIGH percentage origination charges to the contractor to avoid QC problems of disclosing that as a loan cost is also the point of XXXX  I believe. I wanted to increase my loan amount by roughly XXXX to cover new shingles on the roof. My loan amount was XXXX, so they increased my loan amount to XXXX. I asked the contract how and why and they said Mosaic added charges to the contractor knowing it would be passed to the consumer. That is all third hand, so I can not confirm that, but I can tell you that an extra XXXX was added to my loan for nothing I saw from the contractor side. 

On their TILA they do not disclose a breakdown of added fees, they only disclose the finance charge, amount financed and total payments which is fine, but their is not breakdown of their additional fees rolled in such as the XXXX from above.