davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (MD)

In the year XXXX, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX a car dealer in XXXX Maryland. Shortly after I purchased this car I realized that I was being taken advantage of and became a victim of a bad experience as a consumer. The contract that was created and structured for this car was extremely illegal. For starters, the XXXX rebate that I was promised was never put into the contract but into the dealer 's pocket. 2. The contract was structured as though I was paying for two cars and I only bought one car. 3. The high-interest rate that I was charged was never supposed to reach 29 % but only should have been no more than 10 %... Furthermore, after going before the board at the XXXX credit union to get the car refinanced they informed me that the interest rate was an enormous error and that they could not touch the contract. Mrs. XXXX a loan officer at XXXX XXXX XXXX XXXX also advised me that I should seek legal counsel because the contract was written up so that I would fail. Mrs. XXXX first approved for a refinancing of the car and on the day that I was supposed to get the check for the payoff of the car ; she captured the error of the rebate and the erroneous errors in the contract. My family has suffered embarrassment and have had to undergo tremendous disadvantages because this car was repossessed a day before I had to return to my job as a XXXX  after a summer break in XXXX ..... I desire to be compensated for my family 's pain and suffering...
Consumer complaint received 2021-09-25
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. (FL)

1.XXXX XXXX XXXX XXXX open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX  account resolution-account # XXXX, date open XXXX XXXX, amount XXXX XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account number,XXXX, amount {$860.00} 7.XXXX XXXX XXXX, date open XXXX XXXX account number XXXX 8.XXXX XXXX date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXXNQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX  ; Inquirydate XXXX XXXX ' XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I received several letters and emails stating that I owed a debt of {$1400.00}. So, I then immediately responded via mail stating that I dispute the debt and it does not belong to me. If they believed it belonged to me, to validate said debt, which they also did not do. This company disregarded my letter, violated the law, my rights and still posted this collection on my credit reports which has now negatively dropped my credit scores. Which is a huge inconvenience, as I am now going through the process of seeking a new place of residence. I'm submitting a complaint, because I would like this issue resolved. 

Thank you.
Consumer complaint received 2019-11-26
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2023-02-28
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-01
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. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled
Consumer complaint received 2019-09-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TN)

I took out a loan with XXXX XXXX and it got sent to collections with AD ASTRA, I got a notification from XXXX XXXX yesterday saying that my collection account has decresed, I checked the account and the statement says it went down {$1.00} so it went from {$800.00} to {$800.00}, I have not made any payments to the account and it has bee nthere since XXXX, I have not had any communications with this company other than it showing on my credit and I also did not make a payment to them in the amount of {$1.00}, they are falsifying this information that is showing up on my credit report. 

The document I uploaded was reported on XX/XX/XXXX and I got the update to my phone on XX/XX/XXXX
Consumer complaint received 2021-09-01
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. (NY)

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled
Consumer complaint received 2023-02-14
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. (AL)

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit XXXX, experian, and XXXX XXXX shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2023-01-19
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (VA)

This One Account has been passed around to 4 different collection companies and it dropped my score just for appearing on my credit report ; it was even a verified debt. I recently sent a email to XXXX with proof that this account has been deleted on XX/XX/2019. XXXX XXXX is responsible for passing this account around twice ( XXXX XXXX XXXX, XXXX & Superlative RM ) after the sent me a letter confirming the account has been deleted any consumer reporting agency. The Original Creditor is XXXX XXXX XXXX XXXX. Superlative also called acting as if this was a different account but amount was the exact same.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone was able to take money out of my account through XXXX and XXXX XXXX multiple times.Ive seen many people have complaints about this.I was told by the Bank of America representative that I would receive all my money back in two cashiers checks but never did.I received the first names of people that I dont even know.Bank of America never alerted me or questioned the charges.After my account was hit a couple times by the XXXX  app, i dont understand why they allowed someone to hit my account again!!! please do the right thing and refund my money.After much research I see that this has happened to many, many other people. Would like to Settle this out of court but if not then I will move forward with legal action.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

The mortgage lender I currently have my mortgage with did an escrow analysis and did it incorrectly, causing my mortgage to go up by 30 % ( {$1300.00} more a month ) and with ZERO notice. They claimed I owed {$27000.00} in taxes this year rather than {$13000.00}. They also claimed my escrow account was short by {$4000.00}, which I paid in good faith ( and could barely afford ), before realizing the huge error that had occurred. My mortgage is past due now since I can not pay the high and incorrect amount and I cant get anyone to remedy the mistake. I have emailed and called over thirty times. I attempt to get help from them every single day but only receive robot auto responses. If you call the phone tree takes you in circles. On top of the tax issue, I also requested that they close my escrow acct so I can pay my own taxes properly and without them being a liability and still no one replies. I have confirmed all of this with my county tax collectors office. I do not owe the amount the mortgage company is billing me for.
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

XX/XX/24 An amount of {$1500.00} collection. My report includes accounts with a reported name that is different than mine. I dont recognize the accounts in question. The report shows I owed money to an account that is not mine. The current status of my account is not correct.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

date was XX/XX/XXXX, the amount was {$990.00} via XXXX by XXXX returns. 
The call was on my mobile phone { 2, a man a woman } told me to access my bank of america to see my credit coming through. I immediatly saw a debit in the amount of $ XXXX coming out of the account. I hung up because I sense this was not XXXX. Called bank and reported what had happened and the people were calling me to answer. and text were coming through. 
The phone they were using to call is XXXX { 8 phone calls } the text messages were from XXXX and 2 emails from XXXX asking to confirmed and order that I did not have. 
My claim number from the bank is XXXX. I called XXXX department yesterday 2 hours and no one answered I called this mmorning 2 hours, and no one answered, I also, reported. this the sheriff department in my city and this is the case number, deputy XXXX # XXXX, case # pe XXXX. The name of the person that took the money is XXXX XXXX XXXX, using a XXXX account.
Consumer complaint received 2019-11-26
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I used my credit card to pay my XXXX cell phone bill once, will a few months later I was charged {$120.00} I disputed the charge, and locked my card. A few weeks ago they added it back and said they were mailing me information to dispute it via mail, they also sent me a link but the documents I have to support it are to large to upload. Now I am over limit and its reporting to the credit bureaus as me being over limit. On XX/XX/19 I called to let them know and he suggested I fax it in instead, I don't have access to a fax machine, why not resend the paper? I have never authorized XXXX to use my card or keep it on file and they are constantly trying to charge my card. I have a dispute with them for over six months that has not been resolved and I sent it to you as well.
Consumer complaint received 2021-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

We purchased our house in XX/XX/XXXX. We have been using United wholesale mortgage for that purchase. Since that time they have not been able to correctly process any of our mortgage payments. Originally we tried paying our mortgage by monthly so that we could have the advantage of having a 13th payment each year. Instead of 12 traditional months. However the company could not process by monthly payments. Every month they would tell us that we had defaulted every month they would send us collection letters even though we were paying before our payment date and paying every two weeks. So back in in XX/XX/XXXX we switched back to full mortgage payments hoping it would alleviate the problem. We just received another letter saying we are again in default and that they have not been able to apply our last two full months payments. XXXX bank has records that we make our payments on time electronically every month. However it appears that United wholesale mortgage can not account properly for monies received. Furthermore we do not trust that we are getting the credit towards our actual loan amount that we deserve for all the extra payments we have been making. there are countless reversals in our account and a third account named unapplied funds which our payments somehow kept getting put into. We would appreciate any help in trying to remedy this issue as we do not trust this mortgage company and we do not know how to have them audited to ensure that they are applying the funds that we pay on time every month to our mortgage. We have never missed a payment. In fact we should be at least one month ahead.
Consumer complaint received 2021-09-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Camelot Financial Services, Inc. (FL)

Received threatening emails and phone calls regarding being served with court documents and a law suit as well as several criminal charges unless I paid them in the next 2 days I believe it to be a scam and didnt know where to turn
Consumer complaint received 2024-04-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I have a CD account ( XXXX ) opened in U.S. bank on XX/XX/XXXX with a initial deposit amount {$14000.00}. That CD was a XXXX CD with a interest rate about 4.80 %. 

That CD was matured on XX/XX/XXXX and I had ten days of grace period to decide next steps. I made a phone call to U.S. bank on XX/XX/XXXX to close the CD and redeem my money and interests. The agent whoever picked my phone call said to handle this. If everything went well, I should receive a check from U.S. bank within 7 business days.

However, I wait for more than 10 business days but received no check from U.S. bank. 
I checked my online CD account and found that that agent somehow renewed my CD on XX/XX/XXXX rather than closing it. And the renewed CD has a very low interest rate, 0.05 %. The renewed CD will mature on XX/XX/XXXX. 

I went to a local U.S. bank branch on XX/XX/XXXX to get my original CD 's money back. The banker from the branch said if I want to get my money back, I need to pay for a panelty fee becasue my renewed CD is not mature yet. I then made a phone call again in the branch to U.S. bank. The agent said she will close my account and send me a check without panelty. 

I waited for 10 more days, but the check was still not received. I found that the online account is still alive. 
I made a phone call to U.S. bank on XX/XX/XXXX to talk abou the whole issue. The agent said they will file an investigation case for this account and give me a solution within 15 business days. The case number is XXXX. 
From XXXX/XXXX/XXXX to XX/XX/XXXX, I made more phone calls to check the progress of the case and the agents tried all the ways to delay the responses. They said it many times that someone ( a manager ) will contact me later. But no one contacted me yet. 

The delay of the solution wasted my energy, time and income. If I can get the original CD amount back and I deposited it in another financial institution, I will earn more interests. In other words, the handle of U.S. bank costs my money to earn more.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$10000.00}