davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

For XXXX, I was shopping online and found a site where I went to buy some presents. The total was for {$110.00} on the website XXXX. I put in my order late Friday night on XX/XX/XXXX. When I did not receive any email confirmation, order number, or tracking number within the hour, I started to look into the legitimacy of the website. I found out that it was a fraudulent site that sold credit card information and steals personal information. I immediately emailed the " contact me '' on the site asking for my money back because " I placed an incorrect order '', hoping that they would refund me the money. Of course I received no correspondence back. Fake site, I'm guessing potentially fake email contact and site form as well. 

I immediately called my bank, Santander around XXXX on the same day, XX/XX/XXXX. I spoke with a very pleasant woman and explained the series of events that lead to this. The woman said that she would freeze the card number and issue me a new card, but that I could not file for a fraudulent charge until the charge showed up on my account - it was currently pending and hadn't gone through yet. That was fine. 

I waited until Monday, XX/XX/XXXX, later in the afternoon around XXXX to call Santander back now that the {$110.00} charge showed up on my account. The woman asked me a series of questions such as if I'd tried to contact the vendor myself to resolve the issue, if I had received any good ordered, etc. I answered respectively saying that I sent an email to them but suspected that they were not receiving any emails from a fake site anyway and also had not received any goods or even any confirmation of my order. She put in the claim. 

I received a letter in the mail later in the month ( I forget the date but I think it was the XXXX or XX/XX/XXXX ). The letter said that Santander is denying my claim. I called back immediately to ask why. The reasoning was " buyer beware '' and that I should have had better judgement and used more caution before purchasing goods online. However, this woman was very pleasant to me and said that she would put in a different claim instead of fraudulent charges that would be for not receiving goods. She asked me the same types of scripted questions and said that she would not include " fraudulent site '' or similar terms so that maybe the claim would not get denied again. 

Today, XX/XX/2019, I received another letter in the mail saying that my claim is denied ( Reference Number on the claim XXXX ). I feel like I did all of my due diligence. If a bank is going to exhibit this much apathy for their customers, I'm just angry.
Consumer complaint received 2019-01-06
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 (OH)

I applied for the XXXX XXXX Business car through American Express on XX/XX/XXXX. A XXXX XXXX sign up bonus was offered with this card. Per the Terms and Conditions : " Earn XXXX XXXX XXXX Points You can earn XXXX XXXX XXXX Bonus Points after you spend {$3000.00} ( the " Threshold Amount '' ) on eligible purchases on your Card in your first 3 months of Card Membership. Eligible purchases to meet the Threshold Amount for this offer include those made by both the Basic and Additional Card Members on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. '' I met the spend threshold amount on XX/XX/XXXX. On XX/XX/XXXX, I reached out to American Express to inquire about the status of the bonus. I was told it was not attached to the account but that an investigation would be performed. I inquired again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was informed that the bonus was applied to the account but the bonus that the representative read to me was incorrect. He said he would open an investigation and to contact Amex in 7-10 business days. On XX/XX/XXXX, I reached out again and was informed the previous agent was incorrect and to give them more time. On XX/XX/XXXX, I contacted Amex again. Based on the Terms and Conditions, the bonus should have posted with 6-8 weeks. At this point I was told that I did not qualify for the bonus, despite receiving no warning from American Express that I did not qualify during the sign up process ( a service they offer ) and differing responses from previous agents. At this point, due to American Express ' delay in informing me of this, I was also past the point where I could cancel the card and receive a refund for the annual fee. 

This is a clear case of bait and switch by the card issuer.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I moved out from XXXX at XXXX, owned by XXXX XXXX XXXX, in early XXXX and received no communication from them at all after turning in my keys. Then on XX/XX/XXXX of that same year I received a derogatory account for XXXX dollars on my credit report from Hunter Warfield with the original debt holder being XXXX at XXXX XXXX I never received a bill or any communication from any of the three aforementioned companies before that moment. I could not determine if this was outright illegal, but definitely seems unethical for reporting on an unbilled debt.

However, the main reason for my complaint is that Hunter Warfield violated FDCPA 1006.42. I did not receive any written communication from Hunter Warfield, XXXX at XXXX, or XXXX XXXX XXXX within 5 days of them reporting my debt to the credit bureaus or their first initial voicemail. Instead, I get multiple calls a day all leaving unintelligible voicemails. I made attempts to reach out to both XXXX at XXXX and Hunter Warfield via email and writing as I would rather discuss in writing, to no avail.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My previous complaint # XXXX States that portfolio recovery is inaccurately reporting incorrect dates for debts owed. Their response is they have no control over the information reported? Portfolio Recovery reported the information to the credit bureaus initially. Portfolio has denied taking responsibility for he information they communicated to all credit bereaus. Portfolio recovery stated they are not responsible for the inaccurate information? Do they not have the responsibility to report correct information if they are aware its inaccurate? I demand portfolio recovery correct the errors instead of doing nothing to correct the errors.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (LA)

These accounts attached are in clear violation and your company has not tried to fix this problem yet. I gave you many chances to fix your problem but you just failed to do your job.

In the letters i sent you before i told you that the accounts you are reporting is in violation of 15 US Code 1681e ( b ) you was suppose to make sure everything across all 3 credit bureaus report 100 % information to my consumer report. Instead the date open, date last active, payment history dates, account numbers, balances, Inaccurate amounts payment status and inaccurate across all 3 credit bureaus XXXX, XXXX and equifax. 
I also sent you another dispute and told you that you violated 15 usc 1681b ( a ) ( 2 ). You was only suppose to report these accounts below with my consent and with no other reason. I never in my life gave you consent to report these items but yet you still reported it you violated the U.S CODE LAW. I have ask you to remove these accounts many times you ignored me. Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consmer report No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my PCA pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank does financing for XXXX XXXX and other retailers. 
I applied for a 90 day XXXX XXXX  XXXX card for {$420.00} purchase XX/XX/XXXX. 

First Billing in XX/XX/XXXX showed a fee for {$7.00} I called the company on XX/XX/XXXX at XXXX XXXX to inquire. 

I was told the fee was for a credit card protection program I advised I did not enroll in any credit protection program I was told " You were approved at time of credit application and you had to opt out or physically decline the coverage in order to not be billed for it '' I believe that automatically enrolling consumers in any type of purchase program be it insurance or rewards or anything that incurs a fee is a violation of one or more types of consumer protection laws. 

E.G. Along the lines of XXXX XXXX issuing cards without consumer request I believe this company includes a fee based credit security program on all online credit applications and the onus is on the consumer to find it and deselect. The fees are small and the company hopes people are not paying attention and assume the fees are interest or other fees. 

The billing statement identifies the fees on page one as Credits, Fees, Adjustments ( net ) and this is not an obvious identifier to the average consumer. 

I am willing to bet that an inquiry into this companies most often complaints are the prepackaging of fee based products without explicit consumer approval. 


My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX The Bank is Synchrony Bank XXXX XXXX XXXX XXXX, Fl XXXX XXXX Note : My fees have been refunded but my inclination is to believe this company puts this product on every single credit application received in advance and hopes consumers wont notice. There is a clear pattern here from Consumer Finance companies in the XX/XX/XXXX and on. Please take a look.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (PA)

In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be  treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.
Consumer complaint received 2019-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been trying for almost three years to have XXXX XXXX XXXX and/or Experian remove this information from my credit report. XXXX XXXX XXXX does not list correct contact information at Experian. It appears through an internet search that both Experian and XXXX XXXX   XXXX have been aware of this issue for years and done nothing, even in response to prior CFPB complaints about XXXX listing this very PO Box in error, or deliberately. In the attachment, please see the Experian report dated ten days ago listing XXXX 's address. Compare that with the US Postal Service rejection letter saying that the XXXX XXXX XXXX " moved and left no forwarding address ''. Now compare that with a letter to XXXX XXXX XXXX provided to me through contacting another aggrieved Experian Customer that also wrote to this address and had the dispute letter returned ... date XX/XX/2016. That person also complained to XXXX and the CFPB about this particular address being incorrect. This is willful negligence on the part of Experian and this is actionable .... possibly class action. Experian, please ask your counsel XXXX XXXX for their opinion before a lawsuit gets filed.
Consumer complaint received 2019-01-07
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. (NC)

This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.
Consumer complaint received 2019-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Our mortgage transferred to a new service provider around XX/XX/XXXX, prior to transferring in XX/XX/XXXX the Insurance changed and because of it the new provider was paid and the overage from the last insurance in the amount of {$2500.00} was mailed to me. I spoke with two reprentatives who adviced for me to keep that check until the escrow account was reanalyzed so that I would know the full amount to send in as I may need to send more than what was on the check. They both sent the account to be reanalyzed and after calling a third time I was told nothing changed with the insurance so they didn't reanalyze the account. I asked them about the shortage and why the entire escrow as a whole was not reanalyzed and the representative said a request was only made to review the insurance. They have asked for a new request which can take another 3 weeks meanwhile i'm overpaying to the escrow each month because no one on the phone can tell me what my escrow shortage is. How can a mortgage company not be able to analyze an escrow account and why do they make you wait 3 weeks and then on top of that ask the customer to call back and see if the account has already been reviewed. Everything about their escrow process seems very wrong. I asked for a supervisor was placed on hold for 20 minutes and then was told I would speak to a supervisor but instead was transferred to a voicemail of XXXX XXXX, who I'm sure will never call me back. I need my entire escrow account reanalyzed and I need to know what my escrow shortage is so that I can send that it in and the account can be reanalyzed and payment lowered as I am currently overpaying based on them not giving me those new figures. I've been dealing with this for 3 months now and think I have been more than patient.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I stopped working with XXXX as he was just taking my money from credit card account but nothing being done? On second thought maybe that was a mistake as Wells Fargo will not really be representing??? me if i end up in court. 
I can not go back though, I just want to start paying which i request over and over. XXXX XXXX ( Exec Support Specialist ) who is in the department they told me to contact. ) He was very helpful ( to move my court date to XX/XX/XXXX ) but i guess that did not do anything to get me start paying on my mortgage which i want to start paying on now!!! 
I guess now i go to court on XX/XX/XXXX which will be rough. 
Any suggestions? 
Thank you for your help
Consumer complaint received 2019-05-21
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: ALLY FINANCIAL INC. (WA)

On XX/XX/19 via Certified Mail # XXXX XXXX XXXX XXXX XXXX Ally Financial received my letter informing them that I did not authorize a credit inquiry by their company and if I was wrong, to please send me proof of my authorization. 

On XX/XX/19 I received a letter from Ally Financial without proof of my authorization. I never authorized anyone associated with ALLY FINANCIAL, or XXXX XXXX XXXX, to make a credit inquiry or authorize a credit inquiry on my behalf. Ally Financial fails to provide proof that this inquiry was authorized by me in writing, bearing my signature. Anyone could have stolen my identity and attempted to purchase a vehicle. 

Therefore, without the requisite proof of authorization, Ally Financial must immediately delete this inquiry. Otherwise, civil action may ensue for violations of the Fair Credit Reporting Act, including but not limited to Section 609, Defamation, and Negligent Enablement of Identity Fraud.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I've received dozens and dozens of calls and voicemails from MCM. I do not owe any debt to any company, now or ever. Many of the messages were garbled and did not say who they were asking for or what they were calling about. In one message they asked for someone named XXXX, so they are calling the wrong number because that's not my name. They leave a callback number XXXX with instructions but when I call them back -- immediately when they call me on the weekends, or during business hours during the week -- I get a recording saying I should call back during business hours. No matter when I call them back to get my phone number off their lists, they do not answer the phone. I've blocked every number they try calling from but they just call from a new number and leave the same message for someone I don't know.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NV)

On or around XX/XX/2023 I initiated a transfer from my XXXX XXXX XXXX Account to my Credit Karma checking account in the amount of {$600.00}. I have previously transferred between these accounts in the same fashion and never ran into an issue until now. Credit Karma advertises that they do not hold deposits and rather make the funds available to a customer as soon as the arrive, however I see in my account history that the funds had arrived on XX/XX/XXXX as expected yet they are BEING HELD by Credit Karma. Not only is CK ( Credit Karma ) falsely advertising their services to the american people, they are violating their very on rules by holding onto my deposit. 

In the transaction description it states that funds will be held until XX/XX/2023 to " prevent fraud ''. There has never been fraud reported on this account and this account has already had these transfers come through just fine historically. I think they are holding my deposit to utilize my funds for their own benefit, it makes no sense to hold my money XXXX like this.