davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NC)

I have purchased a car from XXXX in XX/XX/XXXX.  My car was repossessed in XX/XX/XXXX. My loan term was originally 60 months and now it is showing 80 months. I fell on hard time because of a job layoff. Since my car has been repossessed I have not gotten any written documentation from Santander about where my car was taken and what the next steps were and where to go to get my personal belongings from the car. I have contacted Santander asking for validation of my debt on XX/XX/XXXX and was told they would send me a copy of my contract within 10 business days which I still have not yet received. Upon checking my credit report there is an address listed that I have never lived at nor do I know where it is located. My credit report changes every month on the amount I owe Santander. The status one month it will show XXXX and the next month it will show XXXX and now it is showing a balance of XXXX, it will also show write off due to bad debt and then it will be changed to late payment and now it is showing closed/ charged off account.
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (GA)

Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (MD)

they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (PA)

XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.
Consumer complaint received 2017-12-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ceannate (CA)

XXXX processed my payment incorrrectly and gave me miss leading information. Did not have the answers to my question. When i asked when my next due day was i was given wrong information. Which lead me to over pay and stay in default longer than necessary. 

XXXX XXXX XXXX
Consumer complaint received 2017-10-16
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. (VA)

XXXX XXXX keeps showing information on my credit report from XXXX and Transunion thats incorrect. I have disputed online with XXXX XXXX, XXXX and Transunion several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX Mortgage XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. XXXX and Transunion are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.
Consumer complaint received 2017-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

This compliant is against XXXX. As an XXXX professional with the federal government it 's my belief that XXXX are knowingly committing fraud against customers. 

I was conducting a transaction to wire funds to my son for school in XXXX XXXX different times prior to calling for assistance. The transactions did not go through with success indicating that I had to call for assistance. When at the select the option page ; credit/debit card or bank account I 'd selected bank account due to the lower cost which was {$25.00} versus {$45.00} for credit/debit card. The bank account information is linked to the account stored. My account is a combined checking/savings as many accounts are. When speaking with the tech assistant he had me walk through all of the steps I 'd previously attempted. At the end I received the same " We 've Encountered An Error '' message. The tech stated that I should contact my financial institution regarding the account. I stated that there 's no problem with the account. The tech told me that I should try it using my credit/debit card. I told the tech that I 'm an IT professional and I 'm aware of what is going on with their system. It 's my belief they have set something on the back-end of their system/servers that intentionally causes this error to occur when a member select a cheaper option allowing them to defraud and take advantage of customers whom may have loved ones in dire need of funds. If they are doing such I would believe this to be a form of wire fraud.
Consumer complaint received 2017-09-26
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. (CA)

I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was paid.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/year> an unauthorized amount of {$3500.00} was taken from my checking account from auto lender XXXX XXXX. I was also charged a {$25.00} fee to hold the lender from charging any other unauthorized amounts
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ). 

" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer. 

After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus. 

Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue. 

Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened. 

As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ). 

I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (FL)

In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
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. (IL)

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX. 

I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I check my credit regularly with XXXX XXXX. I noticed this past time a new address is added that is not mine by Experian. I couldnt find their address to directly contact them. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX. But there is an address of XXXX XXXX XXXX, XXXX, Virginia added that is not mine. It belongs to my ex-husband, who I divorced in 2015. Also, unfortunate, there were some things that was put in the divorce creed that he alone was responsible for and transitunion would not remove my name despite having court documents to do so. If you can help with that please let me know and I can send the document.
Consumer complaint received 2017-12-19
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: Experian Information Solutions Inc. (IL)

For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.