davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

Debt collection compnay is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     I was contacted by them via Phone, and also throug h US M ail. They are trying to collect a debt for {$15.00} plus {$30.00} Returned Chec k Services    Charge f or a total amount of {$45.00}. When contacted by phone I would not give them any personal information. I also received in the mail a debt collection letter from this company. The debt is for the online  XXXX   XXXX   XXXX . I contacted  XXXX   XXXX  by phone and I do not have any debts due, and they told me they do not use a  XXXX  party services to collect their debts.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I used to have a XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX. InXX/XX/XXXXthese XXXX  have been sold to XXXX XXXX XXXX. My balance with XXXX XXXX before the takeover was XXXX. I received a new card from XXXX XXXX XXXX  and started with a XXXX balance. I have recently checked my credit report ( XXXX ) and noticed that XXXX XXXX XXXX shows 2 open accounts, the one currently in use and another one with an open balance of {$140.00} since XX/XX/XXXX but no payment due. I do not recognize the account number at all. I have contacted XXXX XXXX XXXX Customer Service, they do not find a second account in my name or any applications, and no payments due on my account, since I always pay my statements in full every month. I have called the number for XXXX that is shown on my credit report, which turns out to be some kind of number that tries to get you into some sweepstakes, home insurances and other bogus things. I have not pushed any buttons or numbers, as I am aware of these kinds of scams.
I have filed a dispute with XXXX, to no avail as of today.
Further down I am asked for the card/account number. I have put in what I know, nobody can tell me the last 4 digits of that account.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted the credit report agency disputing information on my credit report. The reply i have gotten was that they were reporting correct information. I have a letter from the company i was disputing that this information was sent to the credit bureau in question to have this removed months ago. They are still reporting this information thus hurting my credit further as i 'm trying to clear up my credit and this oversight is hurting me and hindering me from bettering my situation
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

Due to the confusing nature of the way hotel charges are processed, my account became overdrawn when multiple hotel charges were processed, then removed and reappeared on my account. My checking account is currently overdrawn due to this practise. These transaction occurred during the month of XX/XX/XXXX and XX/XX/XXXX in the amount of {$270.00}. I contact Wells Fargo to explain what happened and seeking a resolution in XXXX, they were unwilling to consider any options.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (MD)

Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

( IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which XXXX has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. XXXX has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (SC)

XX/XX/XXXX, I was trying to qualify for a home loan I was confronted with a debt from a company Receivables Performance. I XXXX the companies contact information. I spoke with several people about the debt they stated I owed to XXXX. I asked for a breakdown of the charges owed to XXXX. On my credit report it's currently reading I owe a balance of XXXX highest of XXXX. I then asked for a letter of some kind to confirm the balance. The representatives of the company stated it would take 30 days I also asked for a letter to confirm they are truly collecting on the behalf of XXXX. I was said they sent me a letter in XXXX. I explained I never got it. I even asked them to email it to me it was against companies policy. After going back and forth I paid what was to be a settlement amount of XXXX on XX/XX/XXXX. I was then told I would get a letter via email to confirm that the bill was paid. It was also stated to me that the settle would be updated on Sunday XX/XX/XXXX. After 24 to 48 hours of the payment clearing my bank. I called back on XX/XX/XXXX and spoke with yet another representative to confirm my payment and asked about my letter to confirm my payment I was told the letter takes 10 days to generate. I still don't have a letter or receipt of payment. I was called on XX/XX/XXXX and asked to make a payment of XXXX or XXXX to settle the remaining balance of the debt. I stated to agent I paid the agreed amount the agent kept saying that wasn't what we agreed upon. I asked for a manager. The manager said she was sorry my number was accidently called 5x and would remove my number from the data base and would sent my receipt of payment within twXXXX hours of our phone conversation. No letter or email. I called back on XX/XX/XXXX requesting a receipt the agency told me it was under review and I would get it in a hour of our phone call.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I was charged two overdraft fees in the amounts of {$34.00} dollars totaling to an amount of {$68.00} dollars. One of the transactions was a bill that came out as an ACH and the other transaction was a transfer of {$60.00} dollars using the service XXXX. These are the two transactions that triggered the fees to my account. I received a transfer via XXXX in the amount of {$180.00} dollars to cover the bill and the transfer. Chase apparently has two different cut off times when sending or receiving money with XXXX, depending on the institution that you are sending or receiving from. The money I received was from another financial institution and it was apparently sent past the cut-off time for it to be in my account the same day. But even with that being the case, I was still able to send money using XXXX to another chase customer. I called customer service the following day to inquire about this and they said it was valid because of the cut-off times. So even though the money was showing available for immediate use, it technically was not in the eyes of Chase. When I asked the representative if I were to have made purchases after the transfer was made, and the money was showing available, would i have been charged a fee for every transaction I made? The response was that yes, I would have been charged a fee for each transaction. The reason this is very upsetting and troubling is that one could accuse Chase of baiting customers to make purchases when the funds are available from the customers perspective but not from the perspective of Chase. I advised them that it was not possible for me to be able to send money with XXXX if I did not have it in the account and that system will not allow you to send money if the funds are not there. It is impossible and NOT at the discretion of Chase, which is what I was told by all 3 of these agents.

After speaking with 3 different agents, I was able to speak with XXXX a manager at one of the call centers who submitted one of the fees as a bank error, but warned me it would be returned and re-applied to the account after another department reviewed it. He submitted the other as a courtesy to be waived even though I requested they both be waived as bank errors multiple times. 
An investigation of some sort should happen into this process and what I would go on to call a scam on behalf of Chase.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-04-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC. (MI)

Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

This was a debt to  XXXX  for {$45.00}. The debt was paid and never should have been reported to the credit bureaus by collection agency!
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST
Consumer complaint received 2017-06-19
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. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The consumer Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX in the amount of {$420.00} stated that the company received an electronic file of its business records concerning an allege account owed to them. I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I also informed the company that per FTC opinion letter from Attorney XXXX XXXX XXXX, that they should be aware that a printout of a bill or itemized document does not constitute verification. 
To this date the company has refused to provide the requested information. They stated that their office considers this matter closed per dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (UT)

XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at