davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a vehicle in XXXXXXXX XXXX XXXXXXXX. My first payment was due in XXXXXXXX XXXX XXXXXXXX. I have made all of my payments from XX/XX/XXXX- XXXX of XXXX. I have all bank statements showing proof of payments from this time period. I received a phone call from Santander Consumer Financial in XXXXXXXX XXXX XXXXXXXX saying they had not received my payment from XXXX and XXXX. I went to my my bank, had them print out my statements showing proof of payment and I faxed it to Santander Consumer Financial. They told me they would have to investigate and they would get back to me in 3-5 business days. I waited about a week and still hadn't heard from Santander so I took it upon myself to call them. After being on hold for over and hour and being transferred to 7 different people, I was told they were still investigating. This went on weekly for about 2 and a half months. I finally got answers in XXXX and was simply told by Santander that my bank was stealing my money and now I am told I am 3 months behind on payments, even though throughout their " investigation '' my husband and I were still making all payments in full. I had a daily battle with this company for months. I gave them all of my proof of payments and they continued to tack on late fees. Now we jump to XXXX and they tell me out of all of this time, for the past 9 months, I have only made 2 payments. All of my money invested in this vehicle was taken from me. I have invested over {$10000.00} in this vehicle just to end up with nothing. This company is crooked and they are thieves. I need help to figure out my options in recovering some of my money. They have also changed names that reflect on bank statement to a shell company called XXXX. I questioned them several times about this company and Santander advised me it was a third party company they use for payment purposes. I was recently told in XXXX by a Santander employee that she didn't know who that company was nor had she heard of them. I am beginning to think that that is how they are defrauding people out of money. They are receiving payment through this shell company and then acting as if they have no idea who they are. Please help
Consumer complaint received 2024-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-07-02
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. (NV)

I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, XXXX  account # XXXX, has violated my rights.

15. u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have the top tier American Express Delta Sky Miles Credit Card, for which I pay {$550.00} per year. Among the benefits advertised and contracted are free TSA precheck membership and discounted Clear membership. I recently enrolled for both and was not issued a refund/credit. I had the same problem last year and was told that it should be automatic when I enroll through the company/agency that issues the membership. I called customer service and was given a nonsense excuse for why it had not been credited. I have now called 3 times and gotten nowhere. I tried to dispute the charge for the Amex membership given that the contracted services were not provided, but I got transferred to another line that no one picked up.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Due to the impact of corona virus, i have been financially unwell. Most recently i began to really be affected where i had no income at all and no unemployment. I am trying to catch up with my bank, i had 3 transactions charged for XXXX each, and for each one i inherited an overdraft fee of {$35.00}. Right now i owe the bank {$200.00}, stemming from the three XXXX charges. Which is {$140.00} in fees in a matter of a month. I would like to reconcile and pay the 3 payments of {$19.00} to level out my account again. Please help. I cant afford to pay all of these fees.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had been a customer for 20 years. Pottery Barn is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both Pottery Barn and PB Credit Card within a month and recorded 9 hours of phone calls. I was refused to provide Corp contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then Capital One Pottery Barn Credit Card lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my XXXX online check from my bank, also Capital One. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from Pottery Barn and buying anything. The next step is to file a fraud complaint.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been requesting any notes placed by Capitalone on my credit card accounts dating back to XX/XX/2020 along with any notes regarding my most recent disputed transaction for over 3 months now. I've contacted capital one in writing, email, and chat. The only response i've received is via email that if I want to discuss my dispute I have to call. As I have told Capital one several time I do not wish to discuss my dispute and I am medically unable to call. I just want a copy of the notes on my credit card accounts, and the notes from my most recent dispute. Their response is always the same we feel the dispute was handled properly and we will not respond to you again. Again! I just want a copy of all the notes on my account along with the dispute notes. I'm not at all interested in speaking to capital one about my dispute nor have I asked them to discuss it further.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I received notification that my XXXX XXXXXXXX XXXX XXXX XXXX XXXX was acquired by Comenity Capital Bank effective XX/XX/2022. I previously established automatic payments that were then voided, yet I never received a new card from Comenity, nor did I receive any subsequent email notifications about account setup or payment due. I was only made aware from a credit report alert about them reporting a delinquent payment. I immediately tried to manually find and create or log into the Comenity website, but it's been down for extended period of time. I am not able to reset a password, register for access and I am not able to make a payment over the phone despite repeated attempts. They should not be allowed to report delinquent accounts to credit bureau 's while also preventing active account holders to make a payment. 

I believe there has been a security breach that they may not be reporting. On XX/XX/XXXX, I got an email from XXXX XXXX XXXX XXXX card referencing an account ending in 4 numbers that do not match my credit card. I then received communication XX/XX/XXXX with the correct account ending numbers. There's an inconsistent experience when attempting to call in to make a payment. Once I did get through and the automated system indicated they are only accepting debit card payments, which seems unusual as well.
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC (PA)

According to the Gramm-Leach-Bliley Act and 15 U.S.C. 6801, my nonpublic personal information such as ( Name, Address, Birth Date, Account Number ) should not have been disclosed to any unaffiliated third party without my consent.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MO)

Credence has been calling me in regards to my XXXX XXXX XXXX account that is past due. In addition to calling my number about this account ( my voicemail identifies this number as my correct number ) they are also calling my XXXX XXXX XXXX child and my live in boyfriend. They have called their numbers daily- when they should only be calling me about this debt. 

XXXX XXXX XXXX also should have provided my number as the primary number- knowing that this was my account and this was my number. why they are calling my childs number is extremely frustrating since she is XXXX XXXX XXXX. My boyfriend has no association with my bills and just moved into my home- how they got his number is questionable but the fact they called it when they have a known number for me is harassment. His number has no associated with me AT ALL- if they are skip tracing to find this information that means they are knowingly calling a number thats not me to contact me or showcase to others that I have an outstanding debt. That is disclosing my debts to others and Im not happy at all.

Ill handle my debt when Im ready and they shouldnt be harassing every member of my family with daily calls, especially when they have my number.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

TD bank online account set up prove to be fraudulent. All my personal information was rendered. SS #, acct #, DLicense # info including expiration, email address and password, address, td bank account info and pin, created a password to this fraud online acct XXXX. 
My full name. 
The link was TD bank XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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)

XX/XX/2023 - I called XXXX, Equifax, and XXXX to have old address that were undeliverable removed and theyre still on there.
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 information incorrect
Company: Experian Information Solutions Inc. (NC)

This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have sent Experian document after document, talked to them on the phone, sent in additional documents and everything they have asked only to get " Part of all of your complaint can not be done because ... '' They are incorrect. They asked for more specific information regarding my dispute with a XXXX  XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX record, a XXXX XXXX XXXX, a XXXX XXXX, A XXXX Record and a XXXX  Record and I detailed my reasons why these should be under dispute, but they deny it each time. 

I have been sent document after document about being a data breach victim, going back to 2008 and everything I had, I sent them. Recently, I was a fraud victim involving an Unemployment filing in my name in which I was directed and DID file with the FBI, but I was directed to give a voice statement and have no record of that. 

I want these accounts disputed as I wished, again, properly
Consumer complaint received 2021-12-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to TransUnion and XXXX from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021 and I have not received any response up to this date. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (SC)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AMEX XXXX Opened : XXXX/XXXX/2012 Balance : {$42000.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I just received a copy of my XXXX credit report and noticed PennyMac marked my account 30 days delinquent for XX/XX/2021. 

Notably, during this time- my account was in a COVID-19 forbearance status. My loan has since been modified and I have restarted payments. 

Please see attached.