davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I made a deferred interest purchase with XXXX XXXX XXXX XXXX ( Synchrony Bank ). The deferred interest period ends on XX/XX/XXXX. On XX/XX/XXXX, I made an online payment to Synchrony Bank on that account for {$130.00}. On XX/XX/XXXX, I made a new purchase using that same store charge of {$1500.00} at XXXX 's, which was a regular charge ( interest applying ). There were advantages for using the store credit card for the new purchase, which were explained to me by the store associate. Those advantages were a discount for using the store charge. I could have used a regular XXXX  for the purchase, but I would not get the same discount benefit. Not wanting to pay interest on the newest purchase I made a payment of {$1500.00} on that account on XX/XX/XXXX ( in the same billing period ), with the understanding that the payment would first be applied to the interest accruing purchase, leaving the deferred interest purchase intact. I started to notice I was being charged interest on the account and I called them. At first, they agreed to resolve the matter reapplying the payments made in XX/XX/XXXX to the interest-bearing balance. Today I spoke to a representative when I saw the new balance had interest applied as well at XXXX and asked what was happening with this issue. To date, I have been assessed {$94.00} in interest payments and have no recourse with them as they are denying me my request.
Consumer complaint received 2023-06-02
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: SANTANDER HOLDINGS USA, INC. (AL)

I have called XXXX, XXXX, and XXXX about two accounts that are reporting on my credit profile without any luck. I recently sent out letters on XX/XX/2023 to all three bureaus notifying them of this and asking if they could open an investigation into the outdated accounts, I still have not heard anything back as of XX/XX/2023. I would love to get this handled as soon as possible and get those my accounts off of my credit profile as fast as possible.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CapitalOne credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and XXXX is currently reporting it monthly as a late payment.
Consumer complaint received 2023-06-02
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: Waypoint Resource Group, LLC (CA)

I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

My account is always funded by a transfer in - never before have they charged me like they have since the first of the year I can not get in touch with the branch manager or get an answer from anyone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MD)

I do not know who opened an account with my name but with another address so best buy contacted me and they ask me about but I did not know nothing about so they sent me a letter where say that they took off all charges on my name month later they sent me a letter and they say that they going to do legal actions on me but I never used the credit card that they suppose I have.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon me.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or XXXX  days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (NY)

Debt was paid at the end of XX/XX/XXXX because I got XXXX in XX/XX/XXXX. My mother paid for that bill inFULL. I got a bill for collections for medical {$730.00}. I have a private doctor and XXXX and XXXX which COVERS ALL hospital and medical procedures will attach a COPY. tHE LAST XXXX BILL WAS OPENED IN XX/XX/XXXX, and the other one was open XX/XX/XXXX. I have had XXXX SINCE I GOT OUT XX/XX/XXXX until present. ACCORDING TO COLLECTIONS AND PAPERWORK WILL SHOW THAT i WAS XXXX AT THAT TIME AND IT IS IMPossible for me to apply for a phone in XXXX!!!!! ... Please investigate and any information needed please feel free to email me or call me XXXX, The XXXX debts are illegeitmate and the one debt for XXXX for XXXX opened on XX/XX/XXXX was PAID IN FULL. PLEASE CONTACT T-MOBILE and ask them why my account was open when i was it was paid in full and the other claim I was XXXX for 7 months more after the account was open ; and who authorized this transaction of opening another line on my name wihile me being XXXX in unsafe and strictly unprofessional. If these debts are not erased I WIll contact a lawyer if proof given today is not enough, the last image is the imei number which can tell you where the phone is and when it was used last. Please look into that as it will clear me,
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (CT)

I had my identity stolen at beginning of the year and this severely affected both my personal and business accounts with TD bank. It all started when my phone was stolen. I filed police report and everything. This person fraudulently manipulated my accounts and withdrew thousands of dollars from my balance ( prior to any of this ), deposited fraudulent checks, changed contact information and other things. I reported this and requested to get issued new account numbers and TD refused and gave me the excuse of they got in through your debit account but highly unlikely they know your account number I kept pushing for this to no avail. Than they fraudulently stole over 7 grand and td never contacted me once and I didnt even know until tds collection agency started calling. I have numerous police reports and everything needed to prove this. Ive gone into branches personally also. I was told to contact their investigator whose name is XXXX her number is XXXX and my case number is XXXX. She blocked my number from calling her after the XXXX messsge left. No investigation was ever done nor had anyone contacted me still! I had thousands of dollars spread up between and my XXXX or XXXX accounts and never received a penny! They kept it I assume due to the fraud on my account but I never did anything wrong and Jusy want my money
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXXXXXX ) - ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and XXXX.
Consumer complaint received 2023-06-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (TX)

To whom it conerns, SANTANDER CONSUMER USA is reporting a due balance of {$33000.00}. However, they are continually trying to charge my card every month for the car note. They have already repossessed the car. However, they are trying to charge my card on file every month instead of selling the car and putting the remaining amount on my credit. According to my account on Santander, it says I have a REMAINING BALANCE OF {$16000.00}. However, they put over {$33000.00} worth of debt on my credit report which is an FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. This is unacceptable I have proof of a violation being committed and I have filed a police report. PLEASE REMOVE THIS FROM MY CREDIT I HAD NO KNOWLEDGE OF ANY OF THIS INFORMATION DURING THE TIME OF SIGNING I WS TRICKED INTO PAYING A {$5000.00} DEPOSIT FOR A CAR THAT I WAS TOLD WAS {$10000.00} THIS IS ILLEGAL AMERICAN CITIZENS DESERVE BETTER!!!!
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX I bought a used XXXX XXXX XXXX  from XXXX XXXX Auto for {$16000.00}. Credit Acceptance was the only lender I could get an approval from. I paid {$1000.00} down. When I looked at my account online, I noticedI was charged {$37000.00}. After looking through the papers the dealership rushed me through, I found that Credit Acceptance charged me {$17000.00} as a finance charge. The finance charge is more than the purchase price of the car. Credit Acceptance refuses to do anything. But if I am a day late their reps call me non-stop all day long. It is so bad I have my phone on silent at all times.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (AK)

I have recently ( XXXX ) been contacted by debt collection about a gym membership from XXXX. The debt is from a company that I am not familiar with ; however, I did have a gym membership at this time. I believe the old gym XXXX XXXX XXXX ' that I had a membership with was bought out by XXXX XXXX XXXX ' ( XXXX, XXXX ) and my " debt/membership '' along with it. I enlisted in the XXXX in XXXX and submitted the associated documents to have my obligation relinquished with XXXX XXXX XXXX '. I have been in XXXX and XXXX since that time. The debt of ~ {$280.00} is being requested from First Credit Services stating that debt is owed from a contract from XXXX. I believe they are collections based out of CA, based on the caller-ID that have been attempting calls daily. I notified them of the information above, but since they have no direct relation to the gym 's records it is apparent they aren't considering this.
Consumer complaint received 2021-01-01
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-30
Product: Credit reporting 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. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.