davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

Have sent multiple emailed and letter by the USPS that these debts are inaccurate. I have contacted the provider XXXX XXXX XXXX XXXX and they also confirmed these are not correct. As I had XXXX XXXX on the line we tired to 3way call XXXX with no luck.
Consumer complaint received 2021-02-19
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: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer Usa has been reporting inaccurate information on my report for years. They take innocent people falsify income information to get you approved even with horrible credit scores and have you pay out the Roof! interest rates. 33 States are Litigation with this company. I feel based on the facts I should be eligible. I'm simply asking to investigate my auto history from santander and ask for method of verification. I got tricked into paying my account although ; I still disagree with everything they claim to be as negative or charged off. I got rear ended in a car accident none of this should be on my account. Thousands of customers will tell you how much of a fraud company santander is.I would like to file a complaint for me being a victim of Deception and Predatory lending practices.
Consumer complaint received 2022-02-11
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-19
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. (FL)

I am a victim of Identity Theft The Information Listed below Which is on my Credit Does not relate to any Transaction That I have made This is the result of Identity theft. Please Block These Accounts From My credit Report Pursuant to the Section 605B of the fair Credit Reporting Act and send The Required Notifications to all furnisher of this information
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

Commenity continues to report account balances and accounts as delinquent after having been provided with an FTC Identity Theft Report. They falsely claimed that this was not sufficient and demanded a police report which was filed and supplied and Commenity 's response was that it was too late because they had sold the debt. This is a violation of consumer law which, hopefully is now being enforced again after the four miserable years of the XXXX XXXX 's dereliction of its duty. 

There are, as listed on the attached FTC report which, according to the FTC is all that is needed " When it comes to reporting and recovering from identity theft, were simplifying the process by eliminating the need for a police report in most cases. 
How does it work? When you report identity theft using IdentityTheft.gov, youll answer some questions about what happened. IdentityTheft.gov then uses your information to create the tools you need to begin your recovery, including : a personal recovery plan pre-filled letters to send to merchants, banks, and others affected by the identity theft, and an Identity Theft Report, which is your official statement about the crime. '' ( XX/XX/2017 by XXXX XXXX Attorney, Division of Consumer & Business Education, FTC ) Further, Regulation Z Subpart G applies here as Commenity claims they are charging me for property delivered to me that was not : Paragraph 13 ( a ) ( 3 ) 1. Coverage. i. Section 1026.13 ( a ) ( 3 ) covers disputes about goods or services that are not accepted or not delivered * * * as agreed ; for example : A. The appearance on a periodic statement of a purchase, when the consumer refused to take delivery of goods because they did not comply with the contract. 

B. Delivery of property or services different from that agreed upon. 

C. Delivery of the wrong quantity. 

D. Late delivery.

E. Delivery to the wrong location.

ii. Section 1026.13 ( a ) ( 3 ) does not apply to a dispute relating to the quality of property or services that the consumer accepts. Whether acceptance occurred is determined by state or other applicable law.
Consumer complaint received 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

I acknowledge that the following information is true and to the best of my knowledge. I also sent the following, as also will be attached, to Credit Collection services and via email to my agent, XXXX as will be attached. My bill was due on XXXX of every month. The latest bill was in the amount of {$390.00}. I paid the bill from my own bank account to safeco insurance. 
I was shocked that on my former bill, I was charged the amount of {$970.00}, which is almost triple my usual bill. Such date was XX/XX/2021. I went to check in with my agent XXXX, XXXX or XXXX unsure about her last name at XXXX XXXX XXXX which was on XX/XX/2021, she advised that she will take care of it in two days. When I called her back after two days on XX/XX/2021, she advised that she was unaware of the story and she fixed nothing. Thus, I told her to cancel the insurance all over. I called my XXXX  XXXX XXXX to get my money refunded and I was refunded of such. I called XXXX XXXX to inquire about the bill I recently received in the amount of {$1500.00}, they advised that they spoke with agent and that they will fix it and send me a bill reflecting {$0.00} in debt and that they will also reflect the cancellation date on the record which is on XXXX. I got shocked again that I received a bill indicating that the amount was sent to credit collection services. 
In XX/XX/2021, XXXX XXXX XXXX office called me and advised that they wanted to compensate me financially for all the money they took from me. They called me AFTER I texted my agent that I already paid what I need to pay and that I do not have to pay the additional {$150000.00}. The call also came AFTER I also texted my agent that I would file all incidents at FTC. 
I recorded the conversation which would prove that they know they took all what I am required to pay for the auto insurance. 
The XXXX XXXX XXXX ADMITTED that I paid it all when they said that they were ready to compensate me. 
I can submit all recordings above mentioned as well as additional proofs.
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TN)

On XX/XX/XXXX WayPoint Resource Group add a debt {$330.00} to my XXXX report. I sent a verification letter and disputed the debt as not mine. This account was once deleted from my report on XX/XX/XXXX by XXXX XXXX XXXX which sold the deleted debt to WayPoint Resource. This is not my debt and verification has not been established.
Consumer complaint received 2021-11-19
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: FORD MOTOR CREDIT CO. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with FORD MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of XXXX days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid.
Consumer complaint received 2018-12-06
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 (WA)

I have a credit card with Bank of America that had a balance of {$640.00}. I logged into my user portal on XX/XX/2018 and chose to pay off the total in full ; with the same XXXX XXXX XXXX checking account that I had previously been paying the minimum of {$25.00} with automatically each month. 

When I checked two nights later, XX/XX/2018, my XXXX account showed two withdrawals by Bank of America of {$640.00}. This put my checking account balance into the negative at $ XXXX. 

I called first thing the next morning to get the situation corrected and spoke to a representative named XXXX. He offered to send a check of the full amount through the mail and said it would take 7-14 days to arrive, but being the end of the month and having no money, I informed him of my situation and of my upcoming bills. He then offered the faster method of depositing it back into my bank account and asked for my bank account and routing numbers that I would like the money deposited into and said it would take at most 3 business days. 

Subtracting the weekend, yesterday, XX/XX/2018, would have been 3 business days. When it didn't arrive today, XX/XX/2018, I went to my local branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX and spoke with a representative there. I informed her of my situation and informed her I couldn't wait any longer for my money. I have no cash and still the same negative amount in my checking account. She called into her company phone line to check on the status of the transaction and after speaking with someone told me that even though it was going back to my checking account, it would still take 7-14 business days to deposit into my checking account and was confused as to why the person I spoke to before would guarantee no more than 3 business days. She then told me if I had a checking account through them as well and had used that to pay off my credit card that it would be faster to get my refund, but that since it's an outside bank, there's nothing she could to speed up the process. 

When I asked if we could cancel the refund transaction and just give me the cash so I can deposit it into my checking account at XXXX she told me that was impossible and said my credit card has a cash advance option on it that I could use. I told her I don't want to have any more financial dealings with her bank and that {$200.00} cash advance would not pay  the bills, much less my food or gas for my car. 

I went in to my local XXXX branch on Saturday XX/XX/2018 to get inform them of the situation and they reversed the overdraft fee, but that was all they could do for me. I'm currently at a loss of what to do next and frustrated by the fact that they would be able to take money out of my checking account without my permission and within a day or two but can't return money from their mistake for two weeks.
Consumer complaint received 2021-12-12
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: SYNCHRONY FINANCIAL (GA)

Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry. I previously complained regarding this matter and they claimed they couldn't locate the inquiry so I emailed them the screenshot of their hard inquiry on my XXXX Credit Report as a response to their email from the office of the president. They still have yet to respond or remove the inquiry although a screenshot of the inquiry has been provided to them.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was away for five months and this delusional woman robbed my grandfather 's house stole my clothes and papers and seems to think she can just steal a life. This XXXX XXXX XXXX woman has a prior in stealing peoples identity but she clearly doesn't know me or my family. I know I may have some issues but sorry I will be my NATURAL born name from birth til death. Sorry evil criminals don't win over here. I will use the law for justice. XXXX XXXX how about you use your real name?
Consumer complaint received 2018-12-08
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)

Previously, In XX/XX/XXXX, I disputed a collection account on my Experian credit report. 
Dispute # XXXX Experian notified me of the results of the dispute on XX/XX/XXXX. They deleted the collection account from the original debtor was XXXX XXXX but had been sold to XXXX XXXX   XXXX prior to the dispute. 
Account # XXXX This item was removed from your credit report. 
XXXX XXXX  First reported XX/XX/XXXX Sold to XXXX XXXX XXXX   Account Name XXXX XXXX Account Number XXXX Account Type Credit card Individual Responsibility Date Opened XX/XX/XXXX Closed {$220.00} written off Status Updated XX/XX/XXXX Monthly Payment {$0.00} Credit Limit {$200.00} High bal {$320.00} t was removed on XX/XX/XXXX. I was notified of this on XX/XX/XXXX and have attached to this complaint report # XXXX that shows they removed it. 

Now 60 days later it appears on my Experian credit report again. My issues are that this account was already removed from my credit report because of my previous dispute. In the dispute results report there is a section that shows my credit report " before '' the collection account was removed. It shows XXXX XXXX XXXX as the owners of this collection account. 
Account Number XXXX. 

This account was removed and then recently it reappeared on my credit report. 

Now the General Account Info is different but it is the same account. 
Account Name XXXX XXXX XXXX Account Number XXXX Acct Type : Debt Buyer Responsibility : Individual Date Opened XX/XX/XXXX Status : Collection acct. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$220.00} Bal Updated XX/XX/XXXX Recent Paymnt Amt $ XXXX  Monthly Payment {$0.00} Original Balance {$220.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Once again I request proof of this debt. I have already disputed this collection account reappearing on my credit report with Experian. The dispute number is Report # XXXX dated XX/XX/XXXX. 

I have requested proof of this debt and have not received any response. 

Get this removed from my credit report or give me proof of the debt
Consumer complaint received 2022-10-17
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: SAN DIEGO COUNTY CREDIT UNION (CA)

Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.
Consumer complaint received 2021-12-12
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: CITIZENS FINANCIAL GROUP, INC. (PA)

Applied for a Citizens Bank Credit Card ( a Mastercard ) with an " Earn 5 % Back on Everything '' purchased on the first {$6000.00} of purchases within the first year. The 5 % back " reward '' is actually a 3.8 % bonus over the " everyday '' 1.8 % " reward. '' I applied for and was issued a card in XX/XX/2021 and noticed that only 1.8 % was credited. I called their " customer service '' telephone line and, after a XXXX minute wait, was transferred to another department and had a XXXX minute wait. The Citizens Bank customer service rep did not know of the promotion and was not helpful. Because their executive office does not publish their telephone number I used the SEC filings to obtain the number and was connected with the " President 's Office. '' I explained the problem and have received two call backs- the person who called continues to promise to rectify the problem but she has not done anything. I see that the Bank is again running this promotion - I believe it to be a scam
Consumer complaint received 2021-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (IL)

I sent a dispute letter and they have not provided any proof that I owe this debt. They are using fraudulent and illegal business practices to get me to pay a debt that I do not owe. I requested information from them about the incident and they purposely ignored my requests. I am concerned that they are taking actions that will impact my financial status. 

I am concerned that they are taking illegal actions to collect debt that I do not owe. I sent a dispute letter and Wilburs response didnt appropriately answer my questions or concerns. 

Proof I owe the debt. 
Itemized list of costs that total the amount of the debt Provide proof of any judgement Proof that you are licensed in the state of Illinois A list of all communications and methods related to this matter List of actions taken against me so far Out of these 6 questions I asked they only provided an itemized list of costs. The cost that they have included is absurd. The other 5 questions were purposely ignored. Wilbur Group has a history of trying to collect debts from consumers that do not owe. They have several other CFPB complaints against them for the same reasons. Their actions violate several consumer laws.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

I am filing a complaint against Wells Fargo. Regarding a Checking Account that I closed at mostly my own request. Not due to Wells Fargo Closing the Checking Account without my consent! I closed the account, at least according the the last statement information. On XX/XX/XXXX. And the only amount that I had left as a balance, was {$0.00}. I originally filed a complaint with this organization, against Wells Fargo. On XX/XX/XXXX or XX/XX/XXXX. The Case Number was : XXXX. On XX/XX/XXXX I got a letter from Wells Fargo and they stated : " We respectfully decline your request for {$500.00} in compensation. My most recent correspondence from Wells Fargo was a letter Dated : XX/XX/XXXX, from the WELLS FARGO MEDIATION OFFICES. Why are they doing this? After I closed the checking account two years ago by now?? What is the actual purpose of sending me a letter that is for this Legal Cause. Subject : Mediation option / Wells Fargo Mediation Program Office? And what is more confusing than all of the information I have already discussed. Is why do the letter that is dated XX/XX/XXXX have stated CFPB Case # XXXX. And the letter Dated XX/XX/XXXX Have this information type of information, below the date line. And it says as follows : TRACKING NUMBER : XXXX, WELLS FARGO CASE NUMBER : XXXX. The actual factual and truthful purpose of the TRACKING NUMBER AND WELLS FARGO CASE NUMBER. Is actually near impossible for me to determine what is really means and why is notated!! On XX/XX/XXXX I mailed a form that is the Mediation Request Form, along with several pages of other documents, That were pertaining to the Mediation issue. I basically reminded them, that the account was closed on XX/XX/XXXX. And that, again I am aware that I was compensated {$8.00} on XX/XX/XXXX. And that the only monies I would like was a payment of {$61.00}. For the purpose of being reimbursed for the two overdraft / NSF Fees of {$35.00} x 2 = {$70.00}, And with me factoring in the Partial Credit of {$8.00}. Hence I decided a compensation of {$61.00} was fair. I hope all of this makes sense.
Consumer complaint received 2018-12-06
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: States Recovery Systems, Inc. (NV)

XXXX  has been non-compliant with removing the unverified account STATES RECOVERY SYSTEMS INC which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATES RECOVERY SYSTEMS INC was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent 2 round of dispute letter to Transunion, XXXX, and XXXX to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  {$500.00} ; XXXX XXXX XXXX XXXX XXXX  {$8700.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.