davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MD)

In  XXXX , I made a room reservation at a  XXXX   XXXX . A credit card offer popped up with a visual depiction of a {$50.00} discount if i opened their credit card  ( Barclay ). I figur ed ... sure, i 'll save {$50.00} on the room. The visual credit card statement showed my room rate {$200.00} - {$50.00} credit for opening card = price of room {$150.00}. I then proceeded to accept the card offer and make my reservation. The gentlemen at the hotel said the {$50.00} would come off the credit card bill, not the reservation.     I received the bill with no discount.     Come to find out, you had to spend {$2000.00} to get that {$50.00} discount.     I inquired with  Barclay  on  XXXX / XXXX /  XXXX   and provided them with a screen shot reflecting the $  XXXX  = {$150.00} deal. I received confirmation that  Barclay  received my documentation.     They are now saying its going to be another  7-10 day s for a response.     As of today, it 's been 20 days of me jumping through hoops. During tha t 7-10 day window, my Barclay bill  will be due. I 've repeated asked them for an expedited response because i do not want to be hit with interest or late fees waiting for resolution ... however, they never address that concern of mine.     I 'm at my wits end dealing with Barclay.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe (FL)

I received an alert from XXXX that a collection was added to my credit report through XXXX XXXX and associates with original creditor vip loan shop on XXXX XXXX, XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from experian, i had no knowledge of vip loan shop. I have never taking out any loan through vip loan shop. I have no knowledge of this account. Prior to contacting experian about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

The exact date is no longer listed on the debt. It says 8 months ago with a XX/XX/23 update. The amount exceeds the actual withdrawal made at the bank. I was issued a cashiers check and the check was verified by the teller. There was an available balance of approximately {$280.00} at the time of the presented check and there was a cashback with the deposit of no more than {$1000.00} or so. The deposit slip for the transaction was stolen and the second copy was deleted from the home computer. The person who picked up the phone from the desk at the bank was supposed to assist with fraud investigation and repayment options, and instead blocked the atm card so no deposits could be made for the actual cash back amount which was taken at the time of the deposit. There was then a collection sent to the credit bureaus for the total amount of the cashier 's check without the deduction of my available balance and without considering that no additional withdrawals were made against those funds. The total amount of the check showed up as a negative the next day and the bank said they couldn't find my transaction after that. They also entered it as though I had been the person who wrote the check.
Consumer complaint received 2022-11-16
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)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc. (PA)

My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history
Consumer complaint received 2019-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

I opened a Citi Accelerate Savings account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external XXXX XXXX Account. On XX/XX/2019 XXXX notified me that an item had been returned. I subsequently called Citi Customer service and was told that the transfer was marked as potentially fraudulent and that Citi had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from Citi asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from XXXX indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my XXXX account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from XXXX indicating that an item had been returned and an email from Citi indicating the transfer could not be completed. Citi automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called XXXX customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a XXXX suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with XXXX and that I should call Citi to request they investigate the same. 

I called Citi Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in Citi 's system and possibly hadn't yet connected with XXXX ' system but could not tell me a date this would be resolved. 

I called Citi customer service on XX/XX/XXXX and was told the funds were not with Citi and to call XXXX. Citi offered to wait on the line with me while I called XXXX customer service, but eventually told me they could not continue to wait and hung up.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a XXXX for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a XXXX, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all XXXX credit reporting agencies still yet to hear back. XXXX did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a XXXX. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXX XXXX XXXX well but I want this fixed on my credit reports as well.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: American Credit Acceptance, LLC (GA)

With only two payments left on this loan totaling approximately {$560.00} 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  was on XX/XX/XXXX the insurance company would not respond to over 11 phone calls choose to finance company the finance company assured me as long as I stayed in touch with them until they were paid I would not go into the quote on quote XXXX XXXX and have my credit affected I called them every two weeks I was unable to make those payments because upon being XXXX from hospital I had to purchase a new vehicle just to be able to get home the payment was double the amount of the first car loan payment leaving me unable between Medical expenses and new car payment unable to pay American Credit again they shorted me they would not harm my credit as you can see they lied I called multiple times and they assured me they would remove it I would appreciate any help getting them to follow through on their word I truly have suffered enough and I'm in desperate need of help for my credit score has left me unable to even qualify for new housing as well as many medical issues extremely necessary like XXXX XXXX so I can try to function again like a normal person
Consumer complaint received 2022-11-16
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. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX, and TransUnion shall block the reporting of any information in the 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 date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Consumer complaint received 2023-02-03
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. (TX)

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
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 XXXXXXXX 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 2022-11-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-08-27
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. (IL)

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Consumer complaint received 2022-11-16
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim for {$3500.00} back in XXXX of 2021. A few days later my claim was denied. I filed a police report and faxed it to Bank of America with a copy of my identification and called BOFA and told them that this was not fair and if I could speak to a XXXX. I spoke to a XXXX and she told me that she was going to reconsider my claim and open it for further investigation. Well its been 11 months and my claim is still pending. I have called Bank of America to check on my status about XXXX times and nothing.
Consumer complaint received 2023-02-03
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: ENCORE CAPITAL GROUP INC. (DE)

Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.

c. an adverse claim found at UCC 8-105 ( b ).

d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.

e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.

f. violationof18USC1956 - Laundering of monetary instruments.

g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.

h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.

1. violation of Truth and Lending Act Section 1640 ( h ).

J. violations is Anti-trust laws.

k. violation of the Uniform Deceptive Trade Practices Act.

1. violations in bank fraud.

m. violations in wire fraud.

n. violation of the Consumer Credit Cost Disclosure Act.

o. violation of False Advertising.

15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.

15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue