davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX have been dealing with XXXX pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, Transunion & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XX/XX/XXXX 30 & 60 day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a 30 day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last 2 1/2 months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over 50 point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened 2 secured Credit Cards with Capital One to start establishing a credit history. I used the cards for a few months then I stopped and was going to pay the balances off. The cards only had a {$200.00} limit. A couple months later I started receiving letters saying that I owed them money for some charges that were made on the account that sent me over the limit. I explained to them that I had n't used the cards in a while because it was no money on them then asked them how was it even possible to go over the {$200.00} credit limit when it 's a secured card. I looked into what was going on and found that it had been some fraudulent activity on both my accounts. I explained to them that I lived in a house with strangers where I was renting a room and it 's a strong possibility that one of them could be responsible. They did n't follow up with me, nor did they look into it. They kept harassing then eventually sent the information to the credit bureaus and its impacting my credit negatively. They reported that I owe over {$600.00} on each account. How is that possible with a secured limit of only {$200.00}?
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-13
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. (IL)

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (AZ)

In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX  asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. Auto Sales Inc. (GA)

In XX/XX/2015 i brought a pontiac XXXX from u.s.a auto finance, for $ XXXX with a very high entrance rate that brought the total to just about $ XXXX. ever sense i brought the car it have been giving me issues, i had to take the car to get fixed over 5 times within the first month of purchasing the car. The XXXX told me after a year i can take the car back and refinance, so once that year came i tried to return the car and he told me that he 's sorry but they have been brought out by another company and i have to keep the car for another year! Mind you I 'm paying $ XXXX - $ XXXX for a 2006 car smh. I 've been suffering on making this payment on this very high priced vehicle. its ridiculous! i tried once again to return the car and they told me to pay more off before returning the vehicle, i can not and will not continue paying on this car! I 'm in desperate need of help. Now that I 'm forced to return this car, will also effect my credit score. help is defiantly needed at this moment.
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

i took a look in my experian credit report and i saw that there was a XXXX account XXXX and my report that did not belong to me. so i send a certified letter on XX/XX/2016 to them asking to validate this account that they claim belongs to me.it is now XX/XX/XXXX i never received anything from them stating that this account belongs to me. they are in violation of the fair credit reporting act. they fail to provide me with a contract bearing my signature and marking my credit report disputed by consumer within the 30 day time frame and should be removed
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

Experian has been far the worst agency to work with, they have over XXXX fraudulent address and XXXX fraudulent last names. on my file that they refuse to remove, along with XXXX fraudulent accounts. Every time I write them they send me a letter saying its not legitable? when all my documents are typed out with XXXX point fonts double spaced. and I blow up every copy to prove my Identity. They have cause me a lot of XXXX issues. they refuse to remove, they never help and they send Generic response telling me to take it up with the creditor. I have done that with my Drivers License my state ID my passport proving I was out of the Country for three years. Experian has refused to help me as a Customer to resolve the matter. They never help I have tried to get help when I first noticed the fraud on my report and they are the last to help. I have sent so much proof to the company along with way to much info to the company that the fraud happen at. Please help me. 
XXXX Also Known As XXXX open XXXX cards within months from each other while I was out of the country. I sent them all the documents and they refuse to remove it. and Experian refuses to clean up my credit report from wrong and fraudulent address and last names.
Consumer complaint received 2017-07-13
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: EQUIFAX, INC. (NJ)

Equifax is reporting an account that is still being disputed with XXXX. This should not even be reported. Also, the amount and dates of the report are wrong.
Consumer complaint received 2017-01-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

I have a few problems with my mortgage company, When I borrowed money on my house, I bought XXXX insurance with it. Unfortunately I became ill and had to use it, and when it ended, my husband became ill and it took about a year to get XXXX approved. We struggled for a whole year to make those payments. The insurance paid for that year and the mortgage company had us paid up for a long while. There came a couple of times that the mortgage company said that I needed to make payments on it. I protested, but I made them because I did not want to loose our insurance. Sadly the XXXX insurance ended, I have an illness that has no cure, and my husband is now on social security, so I cancelled the XXXX insurance, and I kept the life insurance. The mortgage company started calling me, asking me to start paying them again. They talked me into doing automatic withdrawal, they were to take out a set amount of money a month. On the first withdrawal, they took out more than XXXX more than they should have. I was promised my money back, but that was another lie, I did not get my money back. I got a letter around the first week of XXXX stating that I was over charged {$960.00} and that they would credit it back to my account. I got a call from XXXX of the workers inquiring about my account, and wanted to know if I needed to make arrangements. I asked for what? I told him about the letter, and asked what happened to the money? He said that it was applied to my account, but not in the way that I think ( whatever that means ). I told him that I wanted it applied to my payments. He said it could not be done that way. I told him that I would call the home office and get it straighten out. He said it wo n't do you any good. I asked are you telling me that I can not call the home office? He then got sarcastic with me, and said, you can call anyone you want, you can call the president if you want too. I am still trying to figure out why our President was brought into this conversation. I was told that the manager could override it and fix it for me ( from the call center ). She was not available, the assistant manager called me back, while she was actually in the office. When she finally got on the phone she told me that it could not be reversed, and she never mentioned her workers bad behavior, until I brought it up, and she did not seem concerned nor did she apologize for it. XXXX thing that I found out was that my loan does not have any life insurance on it. When asked, who cancelled it, I was told everyone 's was cancelled. I also found out that since a payment was due, they took the interest out of the money and stuck it in a place that 's unknown to me. I have no more insurance what gives them the right to pay what they want and not let my husband and myself have a say in it since we were the ones that were over charged.
Consumer complaint received 2017-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.
Consumer complaint received 2016-11-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I signed up for the Wells Fargo optional Identity Theft Protection program earlier this year. It is a {$12.00} a month fee add-on product and service for credit monitoring, identity theft, and XXXX insurance. 
I called in XX/XX/XXXX to get rid of the product, the customer service agent assured me that the product was taken off and that I will not be charged for XX/XX/XXXX. XX/XX/XXXX came along and I received another {$12.00} fee, I went into the branch to dispute the charge the branch told me that they could not reverse the fee, but that I will not be charged in XX/XX/XXXX. XX/XX/XXXX came and again I received the same fee, this time I called customer service again they told me to go to the branch and the branch told me they could not do anything about the {$12.00} fee. We are now in XX/XX/XXXX and I still have the same {$12.00} fee. 
It has been six months from my initial communication with Wells Fargo and five months have past incurring the {$12.00} fee. That is a total of {$64.00}.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Firm of Katz and Associates, PLLC (MI)

I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

This account is not mine was disputed back   XXXX   ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to   XXXX   and   XXXX  , please see attachment credit report.