davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC. (MA)

I have spent the past 6 months building my credit very carefully. I have all my credit cards on auto payment and check balances frequently. I have been working hard to improve my credit with the specific Inention of taking out a construction loan to fix damage to my house so my fiance and I can have XXXX as soon as we get married. We planned to take the loan out in the next few weeks and have everything from the bank to contractors and paper work in order. I noticed on XX/XX/XXXX that my credit had dropped XXXX. I had been watching expecting an increase in my score as I had just paid down my only high balance credit card for my business. I saw that my score had instead dropped, and I immediately contacted XXXX credit agency to get a report and find out what happened. The report showed that Santander had sent in a notice of delinquency for {$82.00} on a {$5000.00} line of credit I hadn't used in 6 months, and which had a {$0.00} balance. They claim that I owed {$12.00} per month for 6 months which made the total {$82.00}. My online portal shows I have a {$0.00} balance and no payments due or past due. I contacted my branch manager and she confirmed that she saw no balance or payments due on her end either. She also stated that a monthly fee for access to a line of credit with no balance makes no sense and she'd never heard of it. I have had this line of credit since XXXX, and 6 personal and business bank accounts for over 25 years, and never had any fees beyond principle and interest. She has contacted corporate for me and filed a complaint however they have not responded. Santander never notified me I had fees for just having the line of credit. They never notified me I had a balance, late fees, overdue balance or would be sent to collections. I have never recieved and email or letter disclosing any of these things. I personally noticed the credit drop and investigated. They are acting maliciously, with predator and nefarious tactics intended to leave me unaware of the situation which has directly damaged my credit, my ability to get the house loan, and my life. They have made no efforts to communicate with either myself of the bank manager and have not responded to any attempts to communicate with them or resolve this. I have no files currently to share as Santander Corporate as of now has refused to respond. I do have my credit report from XXXX showing my positive credit history and my bank managers statements of XXXX am being XXXX XXXX  treated and that there's no way I could have known I had a best which she believes is in and of its self incorrect as well. I have attached a screen shot of my online bank portal showing I have a {$0.00} balance and nothing due.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (VA)

Several phone calls were made to FISERV between XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX notified me that my BillPay account was inactive due to an old XXXX XXXX XXXX account from XXXX. They instructed me to call FISERV to get additional information on the XXXX account. The phone number XXXX has a recording that says XXXX XXXX pay was an option online. The recording also states you can press XXXX to make a payment over the phone. So I entered my SSN and the last XXXX of my XXXX account number. The recording then said my XXXX account was active and no monies were owed. The ONLY " proof '' I have received about this debt is from the FISERV reps, who consistently refused to provide written proof of the debt when I requested it. If FISERV is trying to collect a debt, they are required to provide proof of monies owed when it's requested. I also do NOT feel comfortable giving my debit card information to a random representative ; I have a pending case with the XXXX XXXX Police Dept for a recent occurrence of identify theft. 

The XXXX response I received on XX/XX/XXXX claims they only keep records for 7 years so they can not provide information. Then proceeded to provide a phone number for XXXX XXXX XXXX. The account in question is tied to XXXX XXXX XXXX. If this debt is from XXXX, what is the statue of limitations for collection? This is a XXXX XXXX XXXX debt. 

Video proof of the FISERV recordings are immediately available if requested. Will also provide a lease agreement, showing my dates of residence at the address on file.
Consumer complaint received 2024-05-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

I have a Lowe 's store credit card, which I have had since XXXX. I tried making a purchase online with more than sufficient balance to cover the purchase, but the purchase was declined. This is the first time I have ever had a card purchase declined. I called the customer service number and received a message that I needed to activate a new card. I then activated the new card, and then attempted to make the same purchase. I then called back customer service and was transferred to the Fraud department where they said they needed to text me a code to the phone number under my account for verification purposes. I received the text message with the code and read it to the representative who asserted that the code was incorrect. I re-read the code to her multiple times and she kept saying it was the wrong code. She then said their ONLY OPTION FOR IDENTITY VERIFICATION IS THROUGH FACIAL RECOGNITION AND THAT I WOULD ALSO HAVE TO PROVIDE ID. As someone who is has been the victim of identity theft BECAUSE OF THE XXXX breach, I don't do FACIAL Recognition NOR WOULD I PROVIDE MY SCAN AND SEND MY DL TO some third party verification company to subject myself to potentially more identify theft by having my face and ID stored in some third-party entity side. I ask to speak to a Manager. Some guy who seemed more focused on hearing his own voice listening to my explaining all of the above. He then claimed that the text wasn't accepted because I was calling over a XXXX network which is emphatically not true as I was calling directly from my mobile phone which is a nationally recognized US mobile phone provider. He then refused to correct that THEIR SYSTEM falsely identified my phone as a XXXX network. He then kept going round and round and round about facial recognition despite my telling him 1/2 dozen time that it was off the table AND THE ERROR IS THEIR SYSTEMS ERROR. 

Surely, the CFPB can install measures to require these companies to correct their own internal programming errors perpetuated upon consumers - forcing consumers to jump through hurdles, hoops and obstacle courses to get these companies to correct their own errors to be able to access our accounts. Enough is enough. You won the battle. You're free now to take measures to protect consumers from this constant ridiculousness.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2023-07-28
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. (CA)

Im XXXX XXXX  old never had credit to buy anything or credit cards or or money in bank accounts I have been recently to get a loan am have XXXX cre For unknown delinquent accounts that i never had any kno or consent
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

The Credit Card Issuer and Billing Company are the same : USAA ( united Services Automobile Association ), I a member XXXX. 

The company sent out a renewal notice in XXXX at the same time the insurance was being revised. They billed based on that renewal notice but then issue the policy was revised for {$200.00} less ( a car was removed ). I requested that they credit the card ( USAA Issued ) with the actual current policy amount. 

By phone I was told that USAA does not credit back changed policy amounts, even though the billed amount was not due. They sated that the change would be issued as a credit on some subsequent policy charge. Effectively they issue a charge on the card for services not provided. 

They aske for evidence. I sent them there invoice ( attached ) They responded ( attached denying the disputed amount.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (VA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

Hi CFPB Consumer adjustment for the second time is making false and predatory practices against my credit profile for another collection for {$310.00} for XXXX XXXX this is the second time this debt collector has not followed FCRA laws they reported this account against my credit profile to the credit bureau without first contacting me first and sending me a debt validation letter I havent received nothing from them in regards to this account will be requesting they provide proof including the tracking number for the debt validation letter for proof of delivery and proof of them contacting me via phone if they say that they did, it is against the FCRA law to not contact the person first and send a debt validation first before report to the credit bureau they also reported a re aged date of this account on my credit profile which I will attach proof for verification which is also inaccurate credit reporting and against the law, if Im further accused by them for this account will be requesting they furnish full proof that I opened such account including my original wet signature signing off on taking out this debt, if you CFPB will reference complaint ID XXXX Consumer adjustment has made the same unlawful practices and inaccurate credit reporting on a previous debt accusation this debt needs to removed from my credit profile immediately for breaking the law.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (CT)

Holloway Credit Solutions does not meet the requirements to collect in the state of Connecticut. According to : XXXX XXXX XXXX they do not have a license to collect in the state of Connecticut when you search their company name in the search bar. They aren't providing evidence bearing my signature, nor are they providing a calculation of the amount that they claim I owe. These are illegal collection practices.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (GA)

Someone hacked my Marcus by Goldman Sachs high interest savings account ending in XXXX. They verified my identity by the last 4 of ssn and DOB. Some hacked the account and changed the email address or better yet I feel like Marcus doesn't want me to get into the account. They said they couldn't send me a one time authorization code to my cell because it isn't " working ''. I do not believe that. They refuse to give me any information on the case. I have over {$1000.00} in that account and was able to log in a couple of weeks ago. Now they refuse to help me gain access to my account. This is starting to feel like one big scam. I called on XX/XX/2024 and was on the phone for 1 hour and 9 minutes. I got transferred to 4 different people that all said the same thing. They would not let me talk to the person actually handling my case or transfer for me to the fraud department. I called on XX/XX/2024 to get an update and they refused to give me one.
Consumer complaint received 2023-04-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (TX)

I got a car through Westalake financial Institution back in XXXX I believe. The car broke down in XXXX, or XXXX. I was sued a few years ago by Westlake the amount was over XXXX that I owed. I hired an Attorney about 3- 4 years ago, for my case. As of XX/XX/XXXX I won my case. I have documentation as well. I am still seeing Westlake on my credit report. They also have it as a repoession. I called and got the run around. I finally spoke with someone that they reported my credit too. I am not sure of the name of the debit company, I do have a phone number to the company. He informed me that either Im going to get sued again, or they might try and sue. Even though I won my case against them. He had act as though I was in the wrong and I had no idea what I was talking about. I file a dispute with XXXX. They informed me that the amount Westlake Financial orginally put went down but, still shows as a reposession and on all 3 credit bureaus and report.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (OH)

XXXX started charging my company 4 additional lines that were never ordered. They just put them on my account. Not sure when that started, but we contacted XXXX XXXX in XX/XX/XXXX, and they agreed they were improper charges. We asked for credit but it never came, and they also continued to charge us for those lines. We spent hours on phone trying to resolve, but no help. Finally, we as a result we chose to switch services. XXXX was to send shipping labels for their equipment to be returned and credited, but they never would even after repeated calls. Final billing came to {$2300.00}. We again asked for the credits and shipping labels onXXXX and again on XXXX. No response from XXXX XXXX until Amsher Collections dinged my credit reports. We called Amsher XX/XX/XXXX to discuss, but they did not return my call. Contacted Amsher today XXXX and spoke with XXXX XXXX and XXXX XXXX. They reported to me that XXXX XXXX just gave us a credit of {$540.00}, on XX/XX/XXXX, which we have not seen or received other than the verbal credit when speaking to XXXX. It was unfair that Amsher would arbitrarily ding my credit report on a disputed billing WITH-OUT even returning my phone calls. This action has damaged me personally. I offered to pay {$1500.00} of the supposed balance of {$1800.00} with-out verifying the credits, but they refused. Is there any legal action I can do against Amsher and XXXX XXXX. Can you order Amsher to remove their negative credit report immediately. I have no problem paying what I may owe, but I need to be treated fairly. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NM)

On XX/XX/year>, I deposited a legitimate check in the amount of {$2000.00} from my husband XXXX XXXX whose savings was around {$14000.00} which would be automatically transferred to cover a check. This is a long established account with a pattern of these transactions to pay bills. I've never had a problem with this process before but Sofi rejected this check without explanation and directed to call them. There was no valid reason to reject this check. Is Sofi now in the business of determining how our money should be spent?
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the presence of fraudulent accounts on my credit report. Upon reviewing my credit report, I discovered several accounts that I believe to be the result of identity theft or fraudulent activity. I am requesting your assistance in investigating and, if necessary, removing these accounts from my credit report. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts in question are as follows XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.