davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

on XX/XX/2017 I disputed the balance on 2 of the 3 XXXX XXXX credit cards I have because I paid the accounts off so I wanted to see the XXXX balance on my credit report with trans union. Instead of correcting the balance trans union removed the 2 credit cards from my report they had been on my report for over a year and a half. I called XXXX XXXX several times they verified the information is being sent to trans union with my social security number. Trans Union states they wont add it back to my report because I am only an authorized user, I stated that its been on my report for the last year and a half and they have my social security number if something happens to my husband who do you think they will contact for payment?, me. Trans Union is refusing to add it back. I want the 2 XXXX XXXX accounts added back to my trans union report.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase. 

XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TN)

On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
Consumer complaint received 2017-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. 

GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date.  There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. 

Is there anything I can do about this?
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is still showing on my credit reports, this is a debt that 's over XXXX years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to Transunion, XXXX  and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX  XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you. 

XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX
Consumer complaint received 2019-01-15
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: Southern Management Systems Inc. (NM)

Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

0n Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted 2 accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (UT)

Received a collection notice from Credit Protection Association L.P. of XXXX Texas with no knowledge of who the bill is for or from except the name XXXX of XXXX New Mexico. This seems to be some sort of fraud.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Tried to access my credit report for the first time so I can start to build my credit and it is stating my information is n't matching. I have never established credit and know I am entering the correct information I am now concerned my identity has been compromised and need assistance on how I can speak with someone to get this taken care of.
Consumer complaint received 2017-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

Im disputing all late charges as well as negative credit derogatory by Santander bank. The late charges staring in XX/XX/XXXX to XX/XX/XXXX. These actions are due to poor customer service retaining information I provided them on my change of address. This institution has locked me out of my online banking making it impossible to make appropriate payment. This state does not have a Santander branch so this was my only method of payment other than using the postal service. However, I have not received a statement and I cant go online to access the account. How do I know what to pay? 
As of XX/XX/XXXX I was current on my payments. In XX/XX/XXXX I called Santander because I did not receive a statement and I discovered my online account was locked. Customer service told me that my address was inaccurate but I never received a courtesy phone call on the matter and I do have a piece of mail I received from them that month. So why Im not getting a billing statement is a mystery. My account at this point was past due but the issue was the amount past due. The rep told me I owe approximately 1500 in which I thought was outrageous. I wanted an explanation but the rep could not give me a valid reason. I could not pay the entire amount and have been playing catch up at the same time compounded with late charges and late payment reporting. I asked Santander customer dispute department for help in resolving the matter without the penalties and reporting but it all fell upon deaf ears. At this point I get 3 phone calls a day and constant letters about my next payment. Threats on losing my house because of failure to make payments.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. ()

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

I recently opened a XXXX XXXX XXXX through Barclays. I set it up for automatic payments. I then received a notice that my bill was past due. I called. Representative cancelled my past due charge and I authorized payment of the amount due which was about {$160.00}. He then set up payment for my next bill and said after that it would be automatic. On XXXX XXXX my account showed a payment of approximately {$3500.00}. Today my account shows a second payment of {$3500.00}. When I called Barclays to ask that they reverse the second payment they said my card shows a credit of {$3500.00} but they can not return it to my bank without an investigation which will take 7-10 business days. This is unethical at best. I want my money returned immediately. When the account was paid in full it should have shown a XXXX balance for the automatic payment on the XXXX. Clearly their system is flawed in many ways and should be investigated. I hope for a rapid fix to this situation.
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

RE Account Numbers XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.