davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (GA)

I attempted to contact the Legal Department of Santander and the CEO XXXX XXXX, CFO and sent in several legal documents including this Notice Requesting Documentary Evidence for XXXX XXXX XXXX that was repossessed in XXXX of XXXX without my knowledge and I have made payments and there was only a small balance left to pay the vehicle.The vehicle was taken by a third party company that I did not have any knowledge of contracting with this towing company. Towing truck company violated my rights of subrogation along with Santander the finance company. I am requesting the Accounting Records Public and Private in accordance to Generally Accepted Accounting Principles ( GAAP ). Do not send me any form of billing statements as 15 USC 44 clearly specifies Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Im sure that you are clearly aware of the evidence I am requesting in writing. I am allowing no more than 3 calendar days for your response.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

We were on COVID forbearance from XX/XX/XXXX till XX/XX/XXXX. After taking from XX/XX/XXXX till XX/XX/XXXX to work out a modification program, what they offered was adding 168 months to our term and lowering the payment less then {$100.00} per month. Since we have to be current with our loan to even ask about removal of PMI ( {$550.00} per month last statement ) we have no options but to start to pay. I called in and spent over a hour trying to talk with someone. It seems to me that Caliber Home Loans is really only interested in helping themselves at this point. I am not asking for a lower rate, but if you put in all the figures into Calibers OWN calculator the payment is {$600.00} per month LOWER with PMI then they are offering us.They even ordered a new valuation of our home and it shows we have over 80 % equity in the property now.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A company called " XXXXXXXX XXXX '' is continuing to charge my Capital One Cabela 's account card ending in XXXX. I disputed the charges totaling all told ... {$360.00} with a Capital one Customer Service agent who promised that they would be removed and my account credited. He further stated I would receive a new card and any new charges by " XXXXXXXX XXXX '' would be denied. However, Capital one says they can not " find evidence of any fraud '' .. and put the charges back on. He further told me that Capital One would mail me a new card ( which they haven't done ). I am a XXXX Veteran and I called XXXXXXXX XXXX and asked for them to discontinue charging my card THREE TIMES and they agreed several months ago yet the charges keep happening to the tune of {$40.00} every month. Capital one is refusing to refund me charges that are fraudulent. XXXX XXXX, although has access to MY card and is on the account as an authorized used ... .states she did NOT authorize these charges either. She authorized {$40.00} ONE TIME quite some time ago but XXXX XXXX keeps charging every month. They even put the interest back on for each charge. This is unacceptable. I have frozen my card at Capital one but am afraid they are going to continue to let " XXXXXXXX XXXX XXXX' charge me frauduletly. Please help me fight this. Thank you .... Also Capital one sent me email .... addressing me as XXXX XXXX... I am NOT XXXX XXXX... I am XXXX XXXX XXXX and this is my account SOLELY. XXXX XXXX XXXX... I AM THE OWNER OF THIS ACCOUNT SOLELY LEGALLY.
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

This concerns Comenity Bank where I have two store credit cards : XXXX and XXXX. They claim theyve been redesigning their website for over over a week now. The redesign started in XX/XX/XXXX and as of writing this on XX/XX/XXXX you can not access the account at all. They have a statement on the sites that says the redesign is taking longer than anticipated etc. However, when you try to call customer service to check a/c status, make payment etc no one is answering the phone and a prerecorded message about website issues. No one seems to be saying when this going to be resolved well be hit with late fees and now many people are reporting that their accounts that were in good standing - like mine- their cars are now being declined. All were asking for is some transparency and the the truth as to what exactly the issue is.
Consumer complaint received 2022-06-28
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. (NJ)

In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Ann Taylor CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

My 2 store credit cards ( Express, Victoria 's Secret ) through Comenity have been inaccessible for almost 1 solid week now. When you go to their websites, you are unable to log in to view ANYTHING or make a payment. Nothing, absolutely nothing. If you call, their recordings say they can't do anything/closed/unable to assist/etc.

I have balances on both cards. But I don't know WHAT those balances are and have no way to make payments. My due dates are XX/XX/XXXX. 

When you reach out to them on social media for assistance, they say they're in a scheduled maintenance period and sorry for the inconvenience. They did not notify ANYONE of this so-called scheduled maintenance. NO ONE. And when you ask when it will be back, they don't give you any info. If you ask if they will be waiving late fees, etc, they don't answer. I have seen others say Comenity has reported them to the credit bureau for overdue payments during this.

This is unacceptable, unprofessional, and WRONG. I have a beautiful credit score and history that is going to get violated because of this. I just want answers from them! I want to know when I will have access again! They're lying and hiding information. I am so stressed out! A WEEK!!!!!
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX requesting that Experian reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Late Date XX/XX/XXXX XXXX XXXX  XXXX Late Date XXXX XXXX XXXXXXXX Late Dates XX/XX/XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX .... Late Dates XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

I have several credit cards with Comenity Bank, XXXX XXXX, Sony, XXXX XXXX is my due date and is imposible to make the payment, I have been trying to get online to pay my bill that was due today. Site down all day long. it's been down for days with no communication. So I have no way to make my payments, customer service number says " due to unforseen circumstances our offices are temporarily closed. ''
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have an acountt in Bank of America ( CA ) and I have an account in XXXX ( XXXX XXXX  ) in US dollars. 
When I try to send dollars from my account in california to my account ( in dollars ) in XXXX will not allow me to do it, only aloud me to do the transfer and reciving the money in Euros.

I need to get dollars to my account at XXXX in XXXX not Euros. 
Bank of America force me to do the currency echange with them at a very high exchange rate.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The delinquent payment shown on my consumer report beginning XX/XX/XXXX for account XXXX was a result of my work loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. To help accommodate my situation, XXXX XXXX moved payments to the back of my loan extending the payoff date. The account was later brought current XX/XX/XXXX. Please update this information to PAID AS AGREED for the following time period : XXXX.
Consumer complaint received 2022-06-28
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: American First Finance, Inc. (MO)

On or around XX/XX/2022, I purchased a cabinet from XXXX XXXX  in XXXX, Mo. The rep offered a payment plan that would not use my credit if I paid off my balance in 90 days. The process involved verification of a bank account only. I paid off my balance in one month. Now I find that the purchase has been reported as a XXXX on my credit report lowering my credit score. I contacted both the store and American First Finance to ask that the XXXX be removed from my credit report ... XXXXthey refused. 
I feel they are actively deceiving consumers to get them to apply for credit they may or not need.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

The Comenity sites, call centers and easy pay access are not working since XXXX XXXX. I have tried every possible way to make a payment to no avail. They have a generic response on XXXX starting that their scheduled maintenance is taking longer than expected. I fear that this will result in a late payment by no fault of my own. There is no information available and no clear response. I am not the only one, XXXX feeds are full of other customers who are experiencing the exact same issue.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Collection Bureau, Inc. (TX)

XX/XX/2022 Recieved a Text from : Phone number XXXX Claiming to be United Collection Bureau , Inc. asking me to call XXXX or visit ucbinc.com do not have any outstanding debt. This is a phishing scam. 

Thank You
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made XXXX payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on Experian and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on Experian that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX 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 was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-06-28
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. (GA)

XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

When I reviewed my credit report again, I discovered that some of the information was still erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

For over 2 years Experian have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask Experian to remove this Bankruptcy since XXXX is no longer publishing it and they violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Experian to disclose who they verify that information from so I can take the appropriate action.