davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

Santander is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by Santander.
Consumer complaint received 2019-06-24
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. (OH)

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Consumer complaint received 2019-07-03
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. (OH)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX  XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
Consumer complaint received 2019-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Please see this date and accounts that are in inaccuracies : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (GA)

I recently had financial difficulties in which I let Flagstar know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days.

Flagstar put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ...

Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship.

I have attached a letter that I provide Flagstar in XX/XX/XXXX
Consumer complaint received 2019-05-27
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)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (WA)

FMC-OMAHA SERVICE CT This showed up on my credit report this month with a balance of {$5900.00}. This account was charged off in XX/XX/2012. It is showing this as a new balance not current on my credit report. I called in to Ford Motor Credit and they can not find an account with my name. How does the company not have an account with my name on it but I get hit on my credit report for missing a payment on a debt that was charged off over 7 years ago? This is fraud.
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

I have received ONE letter of communication from XXXX XXXX dated XX/XX/2019. On XX/XX/XXXX I sent a letter to XXXX XXXX requesting validation of debt including breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I waited 30 days and I received nothing. 
On XX/XX/XXXX I sent a follow up letter reminding them they were in violation of the FDCPA by not responding within 30 days and requested the information again. 
As of today I have not received validation of debt as requested.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America closed my account with no warning. I opened my account, in person, verified my identity and then I deposited cash, also in person. On the same day, I used XXXX because I didn't have a debit card yet to actually use my account. They locked me out of my account online and scolded me for using XXXX. Scolded me for using my own money to pay for my own dinner. Only when my debit card arrived and I attempted to activate it was I informed that my account had been closed. No fraudulent activity, no illegal activity - zilch. I called and they said it was closed because it was just their decision and no one would explain anything further to me.
Consumer complaint received 2019-07-03
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. (MO)

On XX/XX/XXXX I sent a dispute to Equifax to ensure compliance on 2 items on my credit report. On XX/XX/XXXX I sent a dispute to Equifax for an error of an item reporting as two different companies and as a past due balance on a collection account in which a collection can not also be past due. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I received a response stating the items from XX/XX/XXXX were updated or remains. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Equifax in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating all 4 items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I received an identity theft notice from the IRS. Of the 3 reporting bureaus, Equifax has by far been the worst one deal with to try and place a security freeze on my credit report. I was able to complete my freeze requests online within minutes for both XXXX and XXXX, but Equifax ( which incidentally also breached all my data! ) has been a complete headache. I've had to call 4 different times to try and get access to freeze my account. My online account credentials won't work due to some sort of system issue on their side, and when i call to try get help, they send me through a useless password reset loop that doesn't resolve the problem. I was finally able to get the freeze set on the phone after multiple tries, but I anticipate another battle with their 'customer care ' team when I need to unfreeze my report at some point in the future since I can't get into my own account on their website, and no one seems to be able to help me. Horrible experience with their customer care team, especially since they should technically be better than all the rest now from a systems perspective after losing all my data!
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information listed here is showing on my credit report but does not belong to me. I have filed a complaint with the FTC and contacted the creditors. I also sent the credit bureaus copies of my identification and social security card. These items must be removed immediately, otherwise the credit bureaus are supporting fraud! 

1 ) XXXX Opened XX/XX/2015 {$16000.00} ( Highest Amount ) 2 ) XXXX XXXX Opened XX/XX/2015 {$500.00} 3 ) XXXX Opened XX/XX/2015 {$460.00} 4 ) XXXX XXXX Opened XX/XX/2015 {$1400.00}
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

HELLO AS THEY ARE TALKING ABOUT A DISPUTE WITH SUNTRUST BANK ON UNAUTHORIZED CHARGES, I SUBMIT A DISPUTE WITH SUNTRUST BANK ON SOME CHARGES IN MY BANK ACCOUNT FOR THE LOSS OF MY DEBIT CARD ON XX/XX/19 I WILL SEND ME SOME DOCUMENTS WHAT WILL FILL IN PERSON TO THE BRANCH AND FILL OUT SUCH DOCUMENTS BUT THE DAY OF XX/XX/19 I RECEIVED A CALL FROM THE AGENT WHO CARRIED OUT THE CASE TO ASK ME QUESTIONS I ANSWERED ALL YOUR QUESTIONS WITH SUCH DISPUTE I ANSWERED EVERYTHING ACCORDING TO WHAT WHAT HAPPENED TO ME AND WHAT I SAID THE DAY THAT I CALLED YOU TO REPORT MY LOST CARD THAT WAS THE DAY THAT I REALIZED THAT THE CARD WAS NOT WITH ME BUT I DID NOT REALIZE WHEN I LOST IT OR STOLE MY PROPERTY PLEASE RE-OPE THE CASE AND REIMBURSE ME ALL UNAUTHORIZED CHARGES THANK YOU.
Consumer complaint received 2019-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I am currently receiving collection letters from Ad Astra ( collection agency ) on behalf of XXXX XXXX. Ad Astra is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted ad Astra to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
Consumer complaint received 2019-05-24
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. (AL)

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NJ)

EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX A ) XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

It been now almost 60 days and my refund check has NOT mailed to me after I called more then 6 times to Chase claims department and the collection departmentone keep running me to anotherall I hear is we are so sorry and promised your refund on the waythis bank continues LIES to me over and over ( I already needed your help in numbers items with them and you helped me 100 % on that/waking them up to action ) I HOPE you will this time as well
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MT)

I have been paying my federal student loans since XXXX. I started paying {$300.00} per month. I tried refinancing in XXXX with a private lender thinking that somehow I could save money but quickly went back to Sallie Mae. Year after year I was directed to apply for a forebearance/deferment ( I have no idea which is which ) since I could not make the $ 600+ payment that showed due at that time. Meanwhile, interest continued to mount. Finally in XXXX I was instructed to enroll in the income driven repayment plan. This should have been the original option given to me.
Consumer complaint received 2019-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights. 
Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character. 

This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 


I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I received an email on XX/XX/XXXX, from USAA stating a change in my credit card term. For the second time in 2 years, USAA lowered my available credit limit dramatically based on what they said was delinquencies on my credit report. Each time, USAA lowered the credit limit to right above what I owed on the line. This made it look like I had maxed out a line of credit, which I had not. On XX/XX/XXXX, I called USAA and spoke with a person named XXXX in their Executive Resolution area. He proceeded to literally argue with me and tell me theres nothing that can be done. After a brief conversation, it became apparent XXXX knew nothing about how credit works and was just there to stonewall me. I pulled my XXXX credit report immediately after this phone call and it showed absolutely no delinquencies. That same evening, I called back to USAA and spoke to an ER rep named XXXX. She said theres nothing that could be done and that they did not have any procedures to assist me any further. Again, another stonewall from USAA. XXXX, however, said I was using complaint language and completed a complaint form. XXXX did not offer to complete a complaint form on the initial call to USAA. Trust me, I was using complaint language on that call as well. I sent USAA a direct message via XXXX and received communication from a person named XXXX XXXX who would investigate further into my situation with USAA. I finally spoke to XXXX today, XX/XX/XXXX. She said that lowering my credit limit was a business decision but never referenced the delinquencies claim about my credit on which USAA originally claimed to have based their decision. In my opinion, USAA can not back up their decision to lower my credit limit and are acting in deception. It was in XX/XX/XXXX in which I canceled my insurance with USAA. Ive had this credit card for over 19 years. I did not start having an issue with USAA with this credit card until I canceled my insurance with them. Not one time.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

XX/XX/19. 

CITIBANK , N.A . 

Attention : DEBIT CARD BDU. 

XX/XX/XXXX XXXX XXXX XXXX, SD XXXX CASE : XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. CA XXXX XXXX XXXX ACCOUNT # XXXX On XX/XX/2019 my debit card for US {$400.00} was used WITHOUT MY AUTHORIZATION. 

Immediately start a dispute over the phone that never prospered. 

Then On XX/XX/19 send a written letter to activate the dispute ( attached copy of it ) I do not understand the reason, but initially they credited me a different value in my account US {$410.00}, and yesterday XX/XX/2019 they debited me this same value US {$410.00}. 

Today I called to claim for what happened and they told me that I should start another dispute for the correct value of US {$400.00}. 

I really do not understand why I should start the same dispute again. 

The truth is I'm not happy about what's happening because it's not fair that without my authorization I get paid for something I never use and the bank does not return my money. 

I have lost more than 3 hours on the phone with your bank and I still do not get an answer after 4 months, Again I tell what happened : I book at the XXXX XXXX XXXX XXXX   XXXX XXXX for the days XXXX and XXXX of XX/XX/XXXX2019. 

When I arrived at the Hotel I immediately realized that I was deceived. 

All the advertising and photos of the hotel on the internet were false and misleading. 

When I went up to the room, it was dirty, it smelled like too much cigarette, it had no heating, the only television that had not served and the toilet was disgusting of the dirty. 

The hotel did not have a beach as they advertised it and the elevator did not work. 

The site looked too insecure and I went to reception immediately and I said that I was going away because they had deceived me and that was not what I wanted for my family. 

I told them that they were scam and they told me that even if I did not stay at their hotel they would still charge the reservation for US {$400.00}. 

I did not authorize them to make the payment at any time. 

I went on the same nights of XX/XX/XXXX and XXXX to the XXXXXXXX XXXX XXXX, as you can see in the voucher attached. 

I can not accept being charged US {$400.00} for a room I never used because I was cheated. 

I hope your bank will respond and credit me with this value of US {$400.00}, since I have always been a good client. 

Thank you, XXXX XXXX