davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (IL)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NJ)

Sheffield Financial holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within Sheffield or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by Sheffield that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. Sheffield has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

Td bank close my account and I had XXXX in my savings and td move the money out my savings without my permission and now Im not able to have access to any funds and I went to the branch they werent able to tell me where my funds have been move too
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filled out a 1099A form for Capital One, which the IRS accepted on XX/XX/2024. This form has now become a certificate of indebtedness and is considered as income. Companies usually discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again for a debt that has already been paid. Can you please update my accounts ending in XXXX and XXXX and confirm that it has been paid as agreed by all third-party agencies. Also, please send me copy B so that I can properly complete my taxes.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have spoken to the BOA regulatory XXXX in relation to the instant complaint and requested they validate their claims leading to the REDUCTION in XXXX BOA credit card limits. Despite having requested same TWICE and now the THIRD time, BOA simply provides with a self drafted letter BUT NO EVIDENCE on ALLEGED : Too many inquiries in the last 12 months Serious delinquency Although BOA has provided it's own statements that confirm I HAVE NEVER BEEN LATE OR MISSED A PAYMENT ON EITHER ACCOUNT -- this helps cement my claim to RESTORE MY CREDIT LIMITS so I may operate my businesses without impedements.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX had been opened. At that time I contacted XXXX immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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. (TN)

Hey I am trying to dispute this off my credit report. I do not know how this got on my credit I have reach out to the company and they said they can not do anything. I am a Jr so anything that's on my credit should say XXXX XXXX XXXX XXXX can we please have these accolade off my credit. 

XXXX XXXX : Date XXXX Total : {$17000.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$240.00} XXXX XXXX : Date : XX/XX/XXXX Total : {$1400.00} Credit Collection Servic : Date : XX/XX/XXXX Total : {$100.00}
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I called CapitalOne Customer Service regarding the promised reward on their XXXXXXXX XXXX XXXX credit card which I had signed up for in XX/XX/XXXX. This was in response to their advertised on the internet offer of a {$200.00} reward if customers spent {$500.00} in the first XXXX months of receiving the card. Between XXXX and XX/XX/XXXX I actually spent {$1700.00} but received no reward as promised in the promotion. The Customer Service employee tried to first say, the reward was not attached to the card. He suggested it was not included and that I may not have qualified for the reward. I responded that the only qualification indicated in the offer was an expenditure of {$500.00} in the first 3 months. I requested to speak to a supervisor and was told they had to submit an internal complaint and that a supervisor would call or e-mail me a response. I requested both media. 
On XXXX, XXXX, a supervisor called to say there was no rewards with my card. She then attempted to say there were several types of XXXX cards and suggested this card XXXX have been issued as a " Good Credit '' card. While she admitted she had no knowledge regarding my credit, she explained that he later type XXXX card is issued to participants who needed credit. I am XXXX XXXX XXXX and have had credit cards all my life. I expressed my displeasure feeling I was a victim of " XXXX XXXX XXXX ''. In fact, when I XXXX XXXX XXXX XXXX card online, XXXX had several customer complaints regarding this very card. I ask CapitalOne to " say what you will do and do what you say ''. This rewards promise has not been kept to many of us in the public who responded to this offer. I desire that CapitalOne be held accountable for, in my opinion, a false promise. When there no " disclaimers '' to the contrary a business must fulfill their promise to the public.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-05-14
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

My card was hacked from a company name XXXX funds transfer XXXX XXXX XXXX XXXX on XX/XX/2024. The amounts was {$990.00}, {$15.00}. I don't know who this company is. I call federal reserves, and consumers reserves as well. I really need to know who took my money. The last place I scanned my card was XXXX XXXX and I spent {$100.00} XXXX XXXX. I canceled my way2go card.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TN)

Comenity bank through XXXX XXXX  keeps charging me false late fees although I have paid off the balance They refuse to shut my account down when I pay my balance off. I even over paid my balance and requested my account be for ever closed. They mailed a credit check back but did not close the account. I keep getting XXXX dollar late fees for a zero balance. When I call they commonly put me on hold for 30+minutes and say they fixed the problem or couldnt fix it. They often hang up I spend about two hours every month trying to get resolution with these small late fee bills. I have paid off unjustified late fees three times
Consumer complaint received 2023-07-17
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

From XXXX XXXX, 2024 to XXXX XXXX, 2024 I rented a car from XXXX XXXX. The initial cost was {$540.00} which included {$200.00} deposit for XXXX XXXX, 2024 to XXXX XXXX, 2024. I extended the car rental at weekly rates from XXXX XXXX, 2024 to XXXX XXXX, 2024. Each extension required a pending charge on my American Express card ( see image XXXX for example ) at the point of extension. This meant that the available balance on my Amex account included these pending charges. Thus at the end of the rental, I was not expecting another charge on my credit card for the full amount of the car rental for the month for {$940.00}. On XX/XX/XXXX, I rented a car from a different company, XXXX which authorized a weekly rate and deposit of {$300.00} for a total of {$640.00} on the same Amex account. However that charge isnt posted on my account as pending despite it being XXXX days since that transaction occurred. There was enough funds ( {$770.00} which should have reflected the pending charges for the XXXX car rental from XX/XX/XXXX to XX/XX/XXXX plus {$130.00} pending charge for returning it on XX/XX/XXXX ) in my account to cover the XXXX transaction on XX/XX/XXXX, however my current available balance is XXXX. Its been very difficult to get a true account of my balance and spending limit. The major purchases on my card are for the car rentals. Its concerning that the business practices of charging pending transactions that fall off before the full payment has been ongoing for the over the past XXXX years. This practice makes it difficult to accurately calculate the balance on my credit card account and how much of my monthly payments in addition to biweekly payments are going towards keeping the balances manageable. Ive sent complaints about similar issues to Amex in the past and it continues.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD CaliforniaXX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-04-28
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. (PA)

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, XXXX, Experian and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (FL)

WHAT HAPPENED - In XX/XX/XXXX, I filed an FCCPA complaint Santander for unauthorized text message I received at night regarding payment. I contacted FCCPA attorney- The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. During the legal case I had no access to my account neither online and i called a few times and no body could speak to me from Santander due to the account being in litigation. In XX/XX/XXXX we reached a settlement which they offered me {$500.00}. 

ACTIONS TAKEN - In XX/XX/XXXX I contacted Santander and the account was still " under litigation '' although we had already settled so about a week later the account was unlock and a Santander rep was able to speak to me regarding my account after having no access since XX/XX/XXXX. 

Finally, on XX/XX/XXXX I was able to finally speak to a rep from Santander and the advised payments are XXXX amount past due ( do not remember exact dates ) but I told them I was unemployed and had just been gainfully employed and now trying to catch up on my payments and that I want to make payments to keep my vehicle ( sure there's recording of this ). That same telephone conversation, I made a full payment in the amount of {$630.00} plus processing fees for total of {$630.00} - I believed I still had a balance ( not sure of the amount ) because I received no statements. 

MY ISSUE/CONCERN : I never received any notice, calls or documentation from Santander about my late payments or resolution, no phone calls, nor did I received notice of repossession from Santander. 

As a matter of fact, my last statement generated from Santander was in XX/XX/XXXX. 
I believe the company took revenge of me because I filed an FCCPA against them. It's UNFAIR and UNJUSTICE. They didn't even have the decency to send me a letter or any communication of any type regarding repossession!!!!!

AFTER REPO : I contacted Santander they said I couldn't make the past due payments because the account was " charged off '' so in order to get the vehicle back, I needed to pay the FULL AMOUNT of the vehicle which over {$20000.00}.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

My husband and I went into Wells Fargo back in XXXX for a regular fixed rate mortgage ( term 30 years ). We began making payments. The mortgage loan was for {$80000.00} ( XXXX XXXX dollars ). Fifteen years later -- -we still owe more than {$52000.00} ( XXXX XXXX XXXX dollars ). Our payments were not fixed. The payments ranged from {$420.00} to over {$1000.00} a month. We are both XXXX since XXXX XXXX XXXX. We wrote to Wells Fargo and they sent us back tons of paper saying that we agreed to some kind of equity loan. That's not true. We simply asked for a fixed rate mortgage. Each time that we went into the bank, we said we were paying on our mortgage, after some time, the teller would find our account and have a strange look on their face for a brief moment. I always wondered what was on the screen the teller looked at.So far, they've gotten about {$240000.00} from us. We still owe {$52000.00}. As a minority, we believe we were taken advantage of. We believe we are victims of predatory lending by Wells Fargo. Can you help us? It's XXXX and will still owe {$53000.00} and have made all of the payments ( even during the pandemic ).
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I have over 127 eligible payments making me eligible for forgiveness MOHELA put me on deferment even though I didnt ask for it and did not give credit for at least 4 months. 

Submitted PSLF applications and counts do not get updated whether they are submitted online straight to MOHELA, emailed or scanned or student aid.gov When I call in it takes over two hours to speak to a MOHELA agent. 

Response times are very slow. They usually take weeks just to send you a message to let you know that they are so behind that it will probably take even longer than usual due to the high call volume. So it can take over a month or two before getting a reply.
Consumer complaint received 2023-04-18
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: DISCOVER BANK (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have not opened accounts with these companies and have not given permission for them to open accounts or to look at my credit report please remove these accounts i have attached my notarized identity theft report along with two forms of ID my driver 's license and ss card thank you
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance has been reporting incorrect standing on the account. This eventually led to a wrongful repossession, Ive been trying to find out further information about it and the account status but was told I do not have rights to these items as the co-owner. Nissan stated that the account has not been paid in months, yet it has and they were unable to provide all previous payments.