davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! #
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The account listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. This account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2015-11-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

cc : FDICConsumer Claim Number : XXXXBank : Bank of America DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that " As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. " Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CT)

After many years with XXXX with a {$14000.00} line of credit that was paid off many times.The loan payment was dependent on the amount i borrowed, sometimes the payment was {$100.00} but as much as {$270.00}. I ran into problems in XX/XX/XXXX due to the economy. I struggled and pulled through. Although, XXXX did not and sold of my liabilities to Springleaf. I was paying Springleaf {$280.00} monthly. The principal never moved and was always at the same amount or increased. As things got better I paid on time more often. Although my loan never really was paid down. The amount i paid over time has totaled XXXX times since XX/XX/XXXX. I then paid off {$10000.00} and brought the line of credit down to a manageable {$4000.00}. I received my next bill without a change in payments. I called Springleaf and they did not have an answer although my contract states principal paydowm should be XXXX % of total. not some made up amount Springleaf wants. The line of credit should be {$130.00} per month with a {$4000.00} balance. This includes principal and interest. They made money on me and now that i am able to repay things Springleaf is trying to squeeze me. I spoke with a manager that had no idea what she was doing. I am easy going and she was polite. She still had no idea how to come up with the calculation. I hope you can help. Thank you
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NV)

Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

An Initial 90 day Security Alert has been added to your personal credit report. This message, which will expire after 90 days, alerts credit grantors to verify your identification in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 
For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, XXXX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

I DID NOT ASK YOU TO PLACE A SECRITY ALERT ON MY REPORT I AKED YOU TO STOP PLACING IT ON MY REPORT AND DO YOUR JOB XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Remove ALL ALERTS FROM MY CREIT REPORT DO NOT PLACE THEM ON MY REPORT AT ALL
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA failed to properly notify me of the date and place of the sale of my repossessed vehicle or prove me a opportunity to purchase my vehicle back .Upon receipt of the notice of intent to sale Santander simply stated my vehicle will be sold before a specific date. When I contacted santander I was told I did n't have the right to personally appear at the auction and they are not required to tell me the date and place of the auction. I have communicated with Santander and have been told the repossession was legal and I had no right to purchase my car back outside of a direct transaction with Santander. I told them that my state requires them to notify me of the date and place of the auction in writing so that I can purchase my vehicle back. I was told to sue them. Attached was the only letters I received from Santander Consumer
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

Hello, I 'm one of the borrowers from Honda Financial. Ive purchase a car from Honda on the year of 2013 since then I was paying $ XXXX {$650.00} a month. I was n't aware of the high interest rate that I have. I 've talk to couple of people there and they were saying I 'm paying way too much for a car loan that most people are, and the first place my is a brand new ( SUV ) base model. I do n't know is it because of my race. My friend who has the same credit as me and bought a higher model car is paying less, I 'm very confused and disappointed. I hope someone from your good office can review this and help me out. Thank you.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (MN)

I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NorthStar Technologies (OK)

I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed
Consumer complaint received 2015-05-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nations Recovery Center (TX)

They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account to be removed. They are not in compliance with the following la
w. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to tr
eat 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. 


( CREDITOR NAME ) 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 2015-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud. 

On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction. 

And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC (AZ)

I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.
Consumer complaint received 2016-01-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch Sturm LLP (MI)

collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company RAUSCH , STURM , ISRAEL , ENERSON & HORNIK, LLC XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (IN)

In XXXX 2014, I went to PNC Bank to pay on my loan at the XXXX XXXX, with the Branch Manager who is no longer there ... He mailed my payment, and a month later PNC called me from where the loan was being serviced and stated they did n't get my payment in XXXX ... I explained to them over the phone, that I made the payment with the branch manager at PNC XXXX and they should get in contact with them, and that I would also follow up on my payment ... .I went to the Branch and they said to me we mailed it to the Loan Servicing Dept. and Loan Servicing Dept. at PNC stated they would call the Branch ... I spoke with the XXXX XXXX, and the Branch Manager XXXX said the Loan Servicing Dept. at PNC never called to ask about the mailed payment ... .At this point it 's showing up on my credit reports without my knowledge which violate the fair credit reporting act ... I expect pnc to act in accordance with the fair credit reporting act and delete this account from my credit reports ....