davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I received an email from XXXX to my email XXXX that Welcomed me to XXXX XXXX. The email is stating that I " XXXX '' utilized a loan from their company to purchase a XXXX XXXXXXXX XXXX. The account they opened ends in XXXX. 

I did not make this purchase. I was immediately concerned this was identity theft and contacted the phone number on the email. 

I told them that this account was opened without my authorization and approval. I did not or do not want to purchase this vehicle. They asked me to provide my SSN and account number so they could look into this, obviously I was concerned to give this info to them. They refused to look further into this to validate if I have cause for my concern.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (SC)

I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from SANTANDER CONSUMER USA for the interest I have earned, as a result of SANTANDER CONSUMER USA trading my securities on the exchange. This has been done without my knowledge and constitutes that SANTANDER CONSUMER USA trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX I pulled a copy of my credit report and notice Cavalry along with some other negative accounts that i was not familiar with reporting to the 3 major credit bureaus XXXX, XXXX and XXXX. So I sent a letter to the bureaus asking them to do an investigation. 

The bureaus responded XX/XX/XXXX. They corrected and deleted all the questionable accounts except Cavalry. They said Cavalry has verified that the account is accurate and it belongs on my credit report. So XX/XX/XXXX I wrote a letter disputing the account with Calvary asking them for a copy of the contract I signed with them along with some other pertinent documentation as proof that this account is mine. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Cavalry sent me a bunch of computer generated statements they created stating that was the proof that the account belong to me. None of the documentation they sent had my signature and all the pertinent documentation I requested to further prove the account belong to me was not sent. 

On XX/XX/XXXX I again sent a letter letting them know that they are in clear violation of the fcra and fdcpa and should cease reporting to the bureaus because they are trying to collect a debt that does not belong to me. 

They responded 4 days later XXXX XXXX XXXX with another computer generated letter stating that they have verified the account. 

I will be attaching 1. response from XXXX stating that Calvary verified the account as accurate 2. first dispute letter sent to Calvary 3. response to first dispute letter 4. second dispute letter sent to Calvary 5. response to second dispute letter sent to Calvary
Consumer complaint received 2020-09-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (FL)

My wife and I reached out to Low VA Rates ( Utah ) to assist in an Interest rate reduction refinance mortgage loan. Their representatives reached out to our homeowners ' association to confirm a lien free status, as well as a statement attesting to our dues being paid to date. In this request, they included our social security numbers on a release of information form. We have explained to them that our XXXX board merely exists of our neighbors. Through this breach of our personal information, it is now an easier task to obtain a lot more information and also leaves us open to higher risk of fraudulent activity. 

We are now left to wonder whether or not this is the only instance where our information was exposed incorrectly throughout this process. We are only aware of this instance because we were copied on the said request.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (MD)

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that XXXX, XXXX, and Experian have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, XXXX, and Experian are in Default and the items requested must be removed immediately.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX  XXXX   XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (OK)

Original debt was a loan from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
The loan went into default and was sold to the collections company XXXX and XXXX with an open date of XXXX XXXX. 
The loan was sold at a unknown date and time, with no written notice, to Security Credit Services of XXXX, XXXX XXXX 
S.C.S. has changed the original open date to XXXX XXXX in violation of Fair Credit Reporting Act. 
I have not contacted S.C.S. out of concern they will restart the time and the negative impact would continue longer
Consumer complaint received 2020-04-30
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. (MD)

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that XXXX, Equifax, and XXXX have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, Equifax, and XXXX are in Default and the items requested must be removed immediately.
Consumer complaint received 2022-07-14
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: AMERICAN EXPRESS COMPANY (NJ)

Background I had an American Express Gold Card that I signed up in XXXXXXXX XXXX XXXXXXXX. Within a few months of signing up, I kept being bombarded with offers to upgrade to the Platinum Card for an extra XXXX points and {$150.00} statement credit. I made the move to upgrade my card in XXXX XXXX XXXX which is when this mess started. 

Amex uses vague language that says the reserve the right to take back any promotional offer if the card is downgraded within 12 months. It is not made clear which 12 months is specified. From what I understood of the rules, I could downgrade my card after 12 months of paid membership, whereas they define it as 12 months of receiving a promotional offer. This is never made clear to the consumer, and is buried in vague language on purpose to deceive the customer. 

Timeline XXXX : Upgraded to the Platinum Card from the American Express Gold card after months of being bombarded with ads to upgrade to the Platinum Card from the Gold card. I was looking for a card with lounge access and is the primary reason I chose to upgrade to the Platinum card. Few things were not explained to me in the offer : * It was not explained in detail that promotional points would be taken back if I downgraded the card within one year. The terms only says that Amex reserved the right to do so, not that it will. 
* It was not explained by Amex representatives that there another product, the XXXX XXXX Amex Platinum Card, that repays the annual fee. If I had known of this option, I would have never signed up for this promotional offer. 

XXXX : I requested a downgrade from the Platinum Card to the Gold since my year of paid membership was done. It was never explained to be that the promotional points would be taken back at this point. 

XXXX : I found out about the XXXX XXXX Platinum card, and singed up for this one instead. As a consumer, would I pay for a service that I can get for free? For the other platinum card, there were still benefits I wanted to use that I had already paid for via the annual fee for the year, so I waited until my year was up before canceling. 

XXXX : American Express took back the promotional offer of XXXX points and {$150.00} statement credit.
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I traded in my XXXX XXXX XXXX to XXXX  XXXX last XX/XX/2018 at XXXX XXXX dealer It will take 3months left only for maturity of lease of old car and We had an agreement that i will only trade in if i wont pay the balance of that car or i will wait til it matures So the dealer promised me that they will take care of everything including return of old car and balance payment to get sale. They even called financial to know how much is the balance .I believed them because its not the first time i did trade in and never had problem in the other car company. But after few months, I received a call from toyota financial that they sold car to auction and they want me to pay the balance. I tried to contact them many times to find out what happen but everytime i try to know whats going on they immediately transfer me to collection agency. I asked personally the dealer if they pay the balance They said yes and they cant help me too to solve my problem. Its too depressing for me because i felt that after the sale they neglected me as a customer. And this financial already reported to credit which affected my chance of loan for my kids in college They have no conscience While checking mails i found a bill from toyota that dealer paid the balance and i only have to pay 1month of balance Please try to analyze what this financial did to me They sold the car without letting me know whats going on Want me to pay balance of auction and they send me one last month bills of balance on XX/XX/XXXX after they sold the car They are too unfair for an honest innocent customer like me They are too quick to report to credit which really affected my credit report If you will check all my debt I never pay late for my bills but they still report late and report as bad debt collection I tried to contact financial that im willing to pay the last month bill but they never listen to me that i was not aware what happened They still want me to pay the auction balance Its a nightmare for me and my family and my friend to get car from toyota again
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Since XX/XX/XXXX, Comenity bank, who funds my express and loft credit cards, had a system glitch that caused the payment system to crash. Payments couldnt not be made online or over the phone. I finally got through in XX/XX/2022 and found I was charged a late fee. I spoke to a rep who advised she could not reverse the late fee. I still cant get in the system to review my statements and was only advised by the customer service rep to call back in 24 hours. This is unacceptable. Ive reached out via XXXX only to be ran around in circles.
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (OK)

Flagship received a dispute from me, removed the correct information and then re-reported the information. After another dispute they refused to remove the information from my report, resulting in an over XXXX point drop to my credit score. The have and still are only reporting the late payments, even though I am not responsible for the account, to the account and refuse to report the on-time payments to the credit bureaus, only reporting on time payments as " no data available. '' Now that the account has been paid over for over 30 days, they have not reported the account as paid off. I was deemed not responsible for the account in XXXX of 2023, but they continue to report only the late payments and none of the on time payments every month after that. This is after they initially removed me as responsible for the account in roughly XXXX of 2023 and removed all of the late payments from XX/XX/year> to present.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have a prepaid card with American Express serve, i was charged on XX/XX/XXXX. {$120.00} from XXXX XXXX  site. I dont have any acct. with them or didnt make any purchase through them. I file a claim to my bank and completed a serve dispute acknowledgement email as they requested and waiting to have a positive response from them. 
I also did make several phone calls to SERVE customer service number to explain the situation and communicate them that also talked to an XXXX Site supervisor over the phone and he confirmed to me that there was not charge or any acct under my namein their system because it doesnt exist. and recomended me to call back my bank and tell them they were willing to share any i formation on their investigation to get this solve. 
After taking to a SERVE Supervisor all this after a few days, he explained me that i will receive a claim acknowled form to be completed as part of the formal claim proccess, that is what I did and on XX/XX/XXXX. i received an email saying that my dispute was declined without any reasonable explanation. 
Simple as that they just decided to decline my dispute. 
At the time I have talked to XXXX supervisor my bank had not yet contacted them and i dont think they did any investigation at all.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code 1681a -Definitions ; rules of construction- Exclusion- Expect as provided in paragraph the term consumer report does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an XXXX XXXX credit card with Bank of America. Their online payment system doesn't have a " minimum monthly payment '' or full payment option when setting up automatic payment but I am forced to pick an amount to pay when setting automatic payment. I took a balance transfer with 0 % interest promotion from Bank of America to transfer my balance from another credit card. I had to guess an amount that meet the monthly minimum amount. I actually picked an amount that was higher than the minimum requirement after I transferred my balance to the Bank of America. Four month ago, the 0 % interest promotion was expired. That triggered an increase in minimum monthly amount and the system flagged me as late payment and had past due amount even though my automatic payment was still working and money was withdraw from my checking on time every month. I didn't find out about the late fee ( {$35.00} ) which is about 50 % of my minimum monthly payment for several months. They sent a letter reducing my credit limit due to those " late payments ''. I called Bank of America to request for refund but they only offered to refund one late fee. If their automatic payment set up has options like other banks such as XXXX, XXXX, XXXX XXXX, which should offer three options : Minimum payment, Full payment or a custom amount, I would've not suffered the issues. I recalled I ran into this same issue before when I found out their system don't have minimum payment but you have to guess from the statement and the minimum payment will be adjusted depending on the interest rate but the payment option that we put in is not adjusted when the minimum payment is changed.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$63.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT