davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: Santander Consumer USA Holdings Inc. (FL)

I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MN)

NCB Management Services Incorporated is steady contacting me to try to collect a debt of {$4900.00} for an auto loan thats not my debt or account. The debt collection account is a fraudulent account, not my account and is the result of identity theft. Im a victim of identity theft. I have never applied for an auto loan. I dont even know how to drive and I dont have a Minnesota Drivers License either. So theres no way I applied for an auto loan. The debt collection account is fraudulent and is the result of identity theft.
Consumer complaint received 2024-02-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc. (OH)

The loan was XXXX in a bankruptcy on XX/XX/2022. The lender transfered to loan to a 3rd party ( XXXX  ) for processing during the bankruptcy and the full amount of {$75000.00}. The 3rd party applied the payment to the Nelnet account. What Nelnet is claiming is that they have accrued intrerest or {$18000.00}, even though the loans were dicharged by the bankruptcy court. Since that time Nelnet has made me pay {$1900.00} on this loan to date and will not honory the bankruptcy discharge. My bankruptcy attorney has told them that the loan was discharged, but they are still claiming the interest on a closed account. Can you pleast help
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has not allowed me to log into my account for months, giving me the error : " Our system is experiencing technical difficulties at the moment. Please try again later. ". 

The chat bot on their website seems broken, continually telling me : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' and when I click the button to contact support I sit in queue for days with no response : " Please wait until a support agent joins your session '' There is no way to email support or get in to my account to cancel my card.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Thanks for your response and update regarding Select Portfolio Servicing ( SPS ), my servicing company. I really tried to modify this loan but SPS is difficult in assisting me. They promised to help me with a modification but they have not kept their word. The fact of the matter is I loss my job through no fault of mine. I have XXXX XXXX and I am XXXX years old. I have been experiencing more challenges to find a decent paying job versus when I was younger with less qualification. I even contacted my Congress Woman and she has been diligent in seeking assistance! 
I have always taken my responsibilities seriously especially my mortgage to name one. The reason I am behind these payments is because I loss my job on XXXX occasions. SPS accepted my unemployment and said they will work to modify my loan when I found a job, they did not indicate the pay range that will be contingent on my modification. They denied last year due to the debt to income ratio but it they modify to make the payment affordable the ratio will adjust. It was about making home affordable last year. I have been working as of last year and making my mortgage payments but they instantly came to me to cure the loan of approx. {$11000.00} plus, granted I am scheduling mortgage payment as much as 3 in advance. 
Regarding the modification I sent the corrections they requested per your letter and as of now they have all documentations per their requests. The last request was a clarification if I am going to submit taxes for XX/XX/XXXX. Why will I evade my taxes when I have been consistent!! I sent XX/XX/XXXX and XX/XX/XXXX taxes since last month. I called to affirm their clarification. According to them as of XX/XX/XXXX they have all the requirements. They are threatening to take legal action as of XX/XX/XXXX if I do not cure the default amount. I have not received the letter yet but the rep. read that to me Please help me, I do n't want to lose my home!! There has to be light at the end of the tunnel!! 
Thanks! 
XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OR)

I opened a savings account I deposited a check from a family friend to be able to put in my savings they had my check on hold and ended up putting it into my account so now my available balance is what the balance is and it wouldn't let me transfer to anything so I called and they said I needed to verify who I am but that was after I had called a bunch of times and they never had anyone in the office the lady said I can make the transfer of my remaining balance as soon as I verify my identity I did that and at the end she decided nope we can't do it and that they need someone to call or something I'm still not even sure what needs to be done for me to get my money out they told me my account was being closed it is still not closed it's not being closed I don't know why I want my account closed and my money out of it and they will not help me with anything they keep saying no one 's available no one 's available it's very frustrating
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND CREDIT MANAGEMENT REPORTED A COLLECTION ON XXXX XXXX WITH A DOLLAR AMOUNT OF XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT. THIS COMPANY ALSO IS NOT LICENSED IN NEW YORK TO COLLECT A DEBT. I AM NOT SURE IF THIS IS A SCAM OR NOT BUT IT SIGNIFICANTLY HURT MY VREDIT SCORE, AND I DIDNT HAVE A CHANCE TO DISPUTE IT
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/year> I was offered a settlement of XXXX XXXX of what I owed ( that is not the same as my credit report ). I paid the {$2100.00} with XXXX XXXX but nothing changed, not even the amount or payment on my credit report. Now I have a judgenet against me filed 6 days later stating I owe the whole amount prior to the payment made and it claims I defaulted for failure to appear but I'm not sure what I did not appear to. I have filed a dispute with the credit bureau and the XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Apple Card, You have recklessly furnished an alleged transaction on my XXXX, XXXX, and XXXX reports, falsely labeling them as late. Let me remind you of the law : 15 U.S. Code 1681a - Definitions ; rules of construction clearly states that the term consumer report excludes reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. My dealings with your company fall squarely within this exclusion. Therefore, you have absolutely no right to include my transactions and experiences in my consumer reports. 

Furthermore, according to 15 U.S. Code 1666b - Timing of payments, a creditor like yourself may not deem a payment late unless you have adopted reasonable procedures ensuring that each periodic statement, as required by section 1637 ( b ) of this title, is mailed or delivered to the consumer no later than 21 days before the payment due date.

In light of this, I demand that you provide concrete proof within the next 10 days that the necessary information, as stipulated under 15 USC 1637 ( b ), was indeed mailed or delivered to me 21 days prior to the payment due date. Failure to comply will only affirm your infringement of the law. 

Do not insult my intelligence by parroting that you are furnishing accurate information or that it is verified. You have provided no evidence of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). Your baseless claims are not only invalid but also insulting. 

Should you fail to provide the required evidence of compliance with section 1666b, you are not entitled to treat any payment as late. Thus, you would also be in violation of section 15 USC 1681s-2. You have 10 calendar days from receipt of this notice to either furnish the demanded information or delete the transaction you falsely labeled as late. 

Sincerely, XXXX XXXX Without Recourse XXXX XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ME)

Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I applied for a Capital One Venture card on XXXX XX/XX/XXXX. I was approved for the credit card on XXXX XX/XX/XXXX. According to the company, the card was sent on XXXX XX/XX/XXXX. I received an email on XXXX XX/XX/XXXX that it would arrive by XXXX XXXX. 

However, the card took several weeks to arrive at my home address in Colorado. 
I work XXXX  and the card and full terms and conditions and welcome package did not arrive before I left. 

The account did not show up on any of my internet banking. I received one email that the card had been approved. I received no emails or other form of communication that the account was open or activated. Once I arrived back home in XX/XX/XXXX, I was able to receive the physical card and the full terms and conditions. It was only then, with the physical card, that I was able to call the company, activate the account, and use the card. 

Once I activated the card on XXXX XX/XX/XXXX, I spent {$5200.00} within XXXX, XXXX, XX/XX/XXXX. 

Per the terms and conditions, as advertised repeatedly to me : Earn XXXX bonus miles once you spend {$3000.00} on purchases within the first 3 months from account opening ( 1 ) 1 ) This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. 

The company is not clear about what they meant in the terms and conditions by " account opening ''. To me, it seems logical that " account opening '' should be the time when I was able to activate and use the card for purchases and after the account showed up on my internet banking portal. Within the time required, I spent well over the minimum spend required by the terms and conditions. 

The opening date of account is considered by Capital One as XXXX XXXX, even though they are unable to tell me when the card arrived at my house or how long the card spent in transit. Thus, the length of promotional offer was not as advertised. 

Although multiple people at the company have said they can see from my perspective how the advertising was unclear, Capital One has refused to consider my bonus rewards request.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (NJ)

I usually do my monthly payment on TD Auto Finance website. On the XXXX XXXX XXXX XXXX, I made payment through TD Auto Finance website. The payment made on the XXXX XXXX  XXXX was meant for XXXX bill. However, TD Auto Finance denied they receive the payment. After consulting with TD Auto Finance, I was instructed to go to my bank ( Toronto Dominio Bank, aka TD Bank ). So, I went to my bank to get a printed copy of my bank statement which shows that payment was made and confirmed by Toronto Dominion Bank ( TD Bank ). I was also instructed to send copy of the bank statement to email address provided to me by employee of TD Auto Finance. And I sent the email on XX/XX/XXXX. But the XXXX is still reading as unpaid, and I believe it would have been reported on my credit report. 

I have reached out to TD Auto Finance at least 3 times to resolve this issue ; each time, the representatives insisted the money has not been paid. At this point, I don't what else to do. I need help.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (GA)

I enrolled in a debt management plan in XXXX to assist in making payments to payoff Credit cards. After not working for some weeks, I missed XXXX payments where there were no payments sent to Total Visa or Activate Financial. The company had dropped me from the program and never notified the Debt Mgmt company I had in fact been dropped. I had been receiving calls saying I was behind on payments. I called XXXX and they did a conference call to see what was going on and opted to put me back into the program when they advised that I was removed from the program without ANY NOTIFICATION. When I called Total Visa XX/XX/XXXX to get balance, I was told it is currently {$500.00}. The credit limit is {$450.00}. Since I have been paying into the debt mgmt company, I have paid, {$410.00} AND THESE PAYMENTS HAVE BEEN SENT TO TOTAL VISA. Total Visa has been charging me {$41.00} late fee EVERY MONTH, while they have been receiving payments of XXXX every month, VIA XXXX. XXXX XXXX, Total Visa says I owe the amount. THIS IS NOT FAIR. Total Visa did not hold their agreement in notifying the debt management company that I had been dropped from the program. HOW DOES A CONSUMER GO FROM PAYING {$410.00} FOR THE LAST XXXX OR MORE MONTHS TO OWING {$500.00}, WITH A CREDIT LIMIT OF {$450.00}. THIS IS NOT FAIR AND IT IS A RIP OFF TO THE CONSUMER! By the way, the credit card company will show that they were receiving the payments from the XXXX XXXX company. If I have paid {$410.00} and they want me to pay another XXXX, I will have paid them {$900.00} WHICH IS ABSOLUTELY INSANE AND RIDICULOUS. The credit limit is {$450.00} and there have been NO CHARGES ON THIS CARD. The last XXXX digits of my social security number is XXXX. The last XXXX digits of my card is XXXX.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (DE)

Dear Consumer Financial Protection Bureau, Thank you for facilitating communication between me and Net Credit regarding my formal complaint. However, I am deeply dissatisfied with the response provided by the company, as it fails to address the concerns outlined in my initial complaint adequately. While Net Credit maintains that their lending practices comply with applicable laws, it is evident that the terms of the loan agreement were excessively burdensome and ultimately unsustainable for me. Despite my diligent efforts to make payments, the exorbitant interest rate of XXXX XXXX has resulted in an unjust financial burden, leading to my inability to maintain the account. Net Credit 's response highlights the terms of the agreement, emphasizing that customers are made aware of the fees associated with the line of credit. However, the emphasis on disclosure does not absolve the company of responsibility for engaging in predatory lending practices. The fact that the agreement explicitly states, " This is an expensive form of credit, '' does not justify the exploitative nature of the terms presented. Furthermore, while Net Credit claims to offer repayment options, including the opportunity to contact them for assistance, my experience contradicts this assertion. Despite my attempts to seek alternative solutions or hardship options, I was met with unhelpful responses and no viable alternatives were presented. This lack of flexibility further exacerbated my financial distress. Moreover, Net Credit 's decision to report negative remarks associated with the loan to credit bureaus has significantly harmed my credit score, further exacerbating the financial consequences of this loan. The company 's unwillingness to remove these entries despite the circumstances demonstrates a lack of empathy and understanding of the challenges I faced. In conclusion, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the lending practices of Net Credit, as my experience highlights the urgent need for consumer protection in the financial industry. I request that the Bureau take appropriate action to ensure that borrowers are not subjected to predatory lending practices that jeopardize their financial well-being. Thank you for your attention to this matter, and I look forward to a fair and just resolution.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance corporation and XXXX XXXX XXXX XXXX  attempt to contact last time on XX/XX/24 to request original debt contract and to state that it has been over 10 years since the debt occurred and have delt with negative credit hardship for 10 years now with a repossession on credit even though the truck was supposed to be a cash sale and owned clear. Dealer ship closed and when I was incarcerated this credit company repossessed this truck illegally as the truck had been paid for and when I was released I tried to get the truck back and was told I couldn't do anything as the truck was sold at auction for the amount owed and now years later they have served a notice to seize the property and garnish my wages to my place of business.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

I did not know about the debt until it popped up on my credit report. I sent a letter stating that I dont know about the debt and also stating that I looked their license up in my state which is Illinois to see if they could collect debts legally and they werent licensed to so do I asked them to immediately remove the negative collection off of my credit report and it hasnt been done
Consumer complaint received 2024-02-26
Product: Credit 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: CITIBANK, N.A. (WA)

In XX/XX/XXXX, I applied for a Home Depot credit card while shopping at the XXXX XXXX XXXX. I never received the credit card in the mail but one month later I got three fraudulent charges on the statement. 

Three Fraudulent charges are : 1. XX/XX/XXXX Hardware purchase {$250.00} 2. XX/XX/XXXX Hardware purchase {$500.00} 3. XX/XX/XXXX Electrical and Lighting {$110.00} The XXXX Home Depot store was not even able to find the three transactions in its system. 

On XX/XX/XXXX after receiving the first statement showing the fraudulent charges, I called the Home Depot Credit Card Customer Services immediately and filed a dispute. XXXX, the customer service, canceled the credit card and provided a case number for this claim. 

In XX/XX/XXXX I received a statement for a different credit card account for the same three fraudulent charges. I called the Credit Card Service again. XXXX, the service representative told me Home Depot transferred the charges from the closed credit card account to this credit card. I do not even have that credit card. XXXX reopened the case for further investigation and asked me to call back. 

On XX/XX/XXXX, I called the Home Depot Security Operations and talked to XXXX who said the second account is still active but I told her I do not even have a credit card with Home Depot for that account. XXXX also informed me that one more account under my name is still active. I don't have those three Home Depot credit cards at all. XXXX closed the second and the third credit card account and gave me a confirmation number # XXXX. 

On XX/XX/XXXX, I received another statement with the same three fraudulent charges {$860.00}, plus fees {$29.00} and interest charge {$5.00} totaling {$900.00}. These charges showed up on the account I had closed with the confirmation number of # XXXX. 

How could Home DepoXXXX transfer the fraudulent charges to accounts that had been closed? 

In summary, the credit card I applied but never received had fraudulent purchases that I did not authorize in XX/XX/XXXX. The three fraudulent charges were transferred to a different credit card in late XXXX and then transferred to another credit card. 

All the facts shown above are proofs of serious identity theft and credit card frauds. I have tried to resolve this matter for over 6 months, but XXXX XXXX still claims I am responsible for the fraudulent charges. 

Your help on resolving this issue would be highly appreciated.