davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (CA)

XXXX XXXX XXXX  submitted a delinquent account on my credit score which dropped my score 101 points. I contacted them to see why they did this to find out they thought i didn't turn in equipment. I let them know i did an the location i turned it into. They submitted a request to find. Said equipment they later found me not guilty of delinquent payments. On equipment an removed the charge on the account with them putting the amount at owed {$0.00} dollars paid. The issue is they didnt remove. The collection of my credit score. That they wrongfully submitted instead the submitted it on my credit score as paid down to {$0.00} dollars due to national disaster. I never had a national disaster. An i never owed them anything. So they need to remove the collection off my credit history. As a mistake on there part. Completely as wrongfully submitted. So i can get my 101 points put back on my credit score. Cause as long as its showing i had something in collections. It will negatively affect my score. XXXX XXXX XXXX is listed as : CBE group on my credit history
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (VA)

The first car! Was a XXXX! You have it on my credit. That i paid the amounts dont match what they report on my credit! This is between Santander, and XXXX, this complaint is for both partys to validate both contracts! I was forced into that fit! and threaten if I didnt. And if you sold it who didnt go to!? Again I have all documentation stating this is fraud all the way to the crushing yard, this Is money laundering on top of it everything else, prove you or any 3rd party dont have full intent to benefit off the beneficiary, and purposely destroy that relationship with the intent of not taking a loss. I have suffered extreme about financial stress and hardship due to all of the trauma me and my family have endured, how are you going to explain to me [ XXXX XXXX XXXX ] that you seen no wrong done to the beneficiary when I [ XXXX XXXX XXXX ] regardless who, wasnt where? your name and company as well take responsibility of your 3rd party. As well as you have shown me no indication that you have taken it seriously prior to the 3 phone calls asking about it. I am requesting ( COMPENSATION*, +INTEREST ) THAT IS, MAY, HAS BEEN [ COLLECTED ] and or ( COLLECTING ) FROM THE BENEFICIARY, [ XXXX, XXXX, XXXX ] TO MAKE PERSONNEL GAIN OFF OF WITH THE INTENT TO DEFRAUD THE US AND ITS PROPERTY TO INTENT OF CRIMES AGAINST THE ( BENEFICIARY ) INTENT WITH FULL KNOWLEDGE TO NOT UPHOLD THE SWORN DUTYS OF THE FIDUCIARY DUTYS THAT YOU, and ANY PERSON ( S ) INCORPORATED UNDER, and DUE TO THE FULL INTENTION TO NOT UPHOLD THOS DUTYS I AM REQUESTING A FULL CANCELATION OF THE ANY AND ALL CONTACT ( s ) BETWEEN THE BENEFICIARY AND ( SANTANDER ), ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX ) DUE TO BREECHE ( S ) as THE 100 % RESPONSIBLE AND 100 % LIABILITY TO OPENLY AND WILLING AS THE FIDUCIARY TAKEN- [ ( FULL RESPONSIBILITY IN THE TOTAL ( AMOUNT MENTIONED IN THE [ CONTRACT ( S ) ] AS REQUESTED ) ] AND WILL NOT COMPLY WITH ANY OTHER OFFERS REASON ETC AN SO ON, REFINED CONTRACT ( S ) of ANY KIND AS OF THE BREECH ( S ) OF FIDUCIARY YOU AND ANY PEOPLE ( s ), COOPERATIONS ETC AND SO ON, IS AGAINST FEDERAL LAW, all RETAINING PARTY ( s ) HAVE BREECHED THE CONTRACT, PLEASE SEND ALL DOCUMENTS INCLUDING 3rd party ( XXXX XXXX XXXX the same applys to all XXXX partys involved etc, an so on. Thank you for your full comprehension and full knowledge as well as the attention by receiving this letter, complaint, etc you full comply with all account abilities with your full knowledge that, you, any corporation ( s ) etc involved. Take 100 % liability, as well as the 30days of validation. Please send to the beneficiary [ XXXX, XXXX, XXXX XXXX ] for accurate documentation to be carried and verified by officials and other personnel as originally, original documents retaining the XXXX and XXXX fit. This is fraud ( ulent ) thank you for your time have a good day Signed - [ BENEFICIARY ]
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

in accordance with the credit reporting act XXXX XXXX XXXX XXXX  Account Number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-10
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: U.S. BANCORP (MN)

My credit went down 95 points due to my missed mortgage payments with US Bank in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very upset, either US Bank is not correctly reporting their wording and making this confusion, or XXXX is not retrieving the wording completely and accurately. I have proof from recordings of US Bank offering this program of no payment needed up to 180 days, because of the current COVID-19 pandemic, also stating it will not affect XXXX and credit scores for up to 180 days. I also have documentation proof of this in wording. 

I saw a significant negative impact on my credit score dropping 95 points because of these missed payments reported to the credit bureau during my forbearance plan. 

I opened up a dispute for XXXX and Credit Bureaus to investigate with US Bank for my mortgage in XXXX when I saw this huge negative impact and the reason is because of these missed payments during my forbearance plan. I'm not sure where the ball is dropping, but I just got an update on XX/XX/XXXX from XXXX stating : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This is VERY unfair to me, as I was given false information from US Bank to go into this plan, being told I would be reported on time, to not affect my credit score negatively, and on a forbearance plan.

I have come off the COVID-19 plan now. When I spoke with Experian week of XX/XX/XXXX, they let me know that if I was on a forbearance plan, then they would remove this discrepancy and the negative impact that was made. Again, I was on a forebearance plan, and have documentation proof of this. One of the contacts at US Bank for sending me my forbearance notifications is XXXX XXXX, U.S. Bank Relationship Manager, at XXXX ext. XXXX. Please see attached documents from US Bank to reflect on their part for proof.
Consumer complaint received 2024-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc (AL)

Today XX/XX/year> I received a letter stating I agreed for my account to be direct debited for XXXX. I have not submitted any authorization for this. I called Armstrong & Associates and asked who authorized this, the operator replied we spoke to you on XX/XX/year> and you did. I never authorized anything they called and I answered and told them to learn how to pronounce my last name and try again. The call was 14 secs long. I next asked what account they planned to debit and he said a visa ending in XXXX. That matches none of my cards. They are not obtaining proper authorization to direct debit accounts.
Consumer complaint received 2021-01-10
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX data breach and may have got into the hands of the wrong individual.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION (HI)

XX/XX/XXXX Sallie Mae Bank : 1. I requested written responses to be sent to my address on file and via the bank secure mail to unresolved issues for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
2. XX/XX/XXXX, via phone I spoke with " XXXX '' " Office of the Consumer Advocate '' for immediate payment of any check written.

3. Sallie Mae declined check # XXXX and # XXXX with available funds. 
4. Inability to add/utilize the external account transfer and limited account applications?
Consumer complaint received 2021-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Nothing Happened Thats the problem. This is an extension of the other two complaint that are pending. On XX/XX/2020 I received a phone call from a XXXX At BK of Am Phone # XXXX XXXX, Calf. She told me that they received all my documents XX/XX/XXXX will call be back with in 24 hrs.After making 11 phone calls to her I am still waiting for a return call.Bk of Am solgan WE HERE TO HELP IS NOTHING MORE THAN A BIG LIE. They are only here to help themselves, The people you are suppose to speak to never call you back even before Covd-19. I feel at this time the government should fine the back, and because of there negligent should wave the interest I owe them
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NJ)

I traded in my XXXX Honda CRV which I have purchased with XXXX Honda with GAP insurance and Comprehensive Insurance with XXXX XXXX through XXXX Honda. When I purchased a new XXXX Honda CRV at XXXX XXXX Honda they told me to contact XXXX XXXX to cancel the above insurances to get whatever I was due back. XXXX sent me the forms and told me to fill them out and send them to XXXX Honda and ask them to submit them to XXXX for reimbursement. XXXX Honda told me that I do not get back the comprehensive ins. since it is used towards the payoff of my XXXX loan. I called XXXX XXXX and they said no, it was not used. I actually have a copy of the payoff amount I obtained online which is like {$20.00} less than what I paid. I let XXXX Honda know this, and sent the forms. I called XXXX several weeks later and they only received the cancellation for the GAP insurance from XXXX Honda and as of this date, I have still not received any reimbursement whatsoever. I know there was a lawsuit in California with Honda about them retaining the GAP insurance reimbursement. I don't even know how much I'm due, but it's the principle at this point. I paid for it and I cancelled it, so why should Honda or XXXX keep the money?
Consumer complaint received 2024-03-18
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-03-20
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. (KY)

The unverified items indicated below were reported on my credit report in violation of federal law. 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. I need the following items to be removed from my file immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I sent a MoneyGram of XXXX $ USD to a person on Sunday, XX/XX/2021. After my receiver had difficulties retrieving the money ... On Wednesday, XX/XX/2021 I went to the location where I purchased the MoneyGram, which was XXXX, to cancel the transaction and get a refund. The XXXX  manager informed me the system was not allowing them to refund me due to a verification issue popping up and they advised me to call MoneyGram directly. I called MoneyGram directly and was told there was a verification issue and my transaction funds could not be released nor refunded until they spoke with my receiver directly. After me providing the MoneyGram operator with my receiver 's phone number ( which they asked for ) so they could reach out to resolve the issue, they failed to reach out. My receiver also made attempts to call MoneyGram directly themselves and nothing was still resolved. And my receiver also went in person to his MoneyGram pickup location in person, and no one was able to help him there either. After 3 days of numerous phone calls ( that I have an entire log of ) to MoneyGram and talking to dozens of different people all telling me different things, it is now Saturday, XX/XX/2021 and my issue still has not been resolved and I have yet to been able to go receive my refund.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates LCC was attempting to collect a debt from my XXXX XXXX XXXX by threatening legal action. I called them and spoke to someone ( a debt collector ; although they claimed to be a law firm I was unable to speak with the lawyer on the paperwork ) about setting up a repayment plan. They requested I send them payment immediately to which I told the representative I would not pay them without a written payment plan agreement, which they never sent. Instead I received a judgement against me from my local court for several XXXX dollars over the amount Portfolio Recovery Assts. claimed I owed, and several more XXXX dollars over the amount of the original debt. I was never notified of a hearing date, and despite offering to pay was never sent a payment plan.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Closed Account and Capitol One refused to send me the cash back I had accumulated. 

They said that when I closed my account they read me a disclosure that I voluntarily refused the cash back which is ridiculous. Who would voluntarily refuse money. 

The closed account info is : Name : XXXX XXXX Acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (FL)

I recently made a transaction with Transaction number : XXXX to my sister via Xoom, a XXXX entity, of amount {$1800.00}. It is very urgent because one of my relatives is severely sick and needs help. Xoom has been hostaging my money for the last six days without any notification although Xoom claims to deliver money within 24-hours. After five days when I contacted them, they said they are still reviewing, and before that, they did not give me any update regarding the transaction while my sister is waiting for the money. The transaction is still pending. This is ridiculous. Note that Xoom has a history of discriminating based on people 's names and religion. I hope the government will seriously look into Xoom 's customers ' reviews and policies. They are claiming their service is fast which is a blatant lie.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a card in my name that I did not apply for. My credit was reported low so I tried calling the company about it but they never clarified my transactions. I tried telling them my situation and they never got back to me or tried to help and now they are still charging me.
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

The recipient ( fraudster ) declare they are kind of debt company and offer the service that they can negotiate with the credit card company ( XXXX XXXX ) to bring down the credit balance. First they ask me for my credit card information and personal information which include online banking username and password because they says that they have to have the information to negotiate with XXXX XXXX. They use my account and make XXXX and wire transfer without my permission and declare that those are the payment for the service. After the XXXX XXXX and first wire {$10000.00} was taken out the wells fargo bank account.They do log in my account ( which XXXX XXXX may have the log in information and IP address for the fraudster. ) And they paid {$11000.00} by XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. They wire out rest XXXX and make the same action for amount XXXX. The payments was showed successfully so I didnt report to the police ( when they make payments they will be a time difference when the payments go through ). 
I had called wells fargo and report the situation but they just keep transfer me here and there and let me wait for almost a month. The money was gone for a month and they just keep ignoring me. I cant even know whats the status.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Suntrust Bank. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 

Again, I entered a consumer credit transaction with Suntrust Bank on XX/XX/2020. I never asked or gave Suntrust Bank permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), and 15 USC 1692e ( 2 ) a. On XX/XX/2020, Suntrust Bank sent me a statement/bill of an alleged debt., with information about auto-loan information stating that I received a loan. I never received a loan from Suntrust Bank, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has failed to update the credit card account status as closed. Subsequently the company failed to contact me regarding a {$75.00} past due amount in an account with a {$27000.00} limit. The {$75.00} was due to an annual fee. This single item has single handedly ruined my credit. They need to re assess the threshold in which their collection ... .or in this case courtesy ... ... efforts begin. I assume their dialer or a rep did not call on the account due to the limited dollar amount of the delinquent amount. Additionally it is nearly impossible to sign up for automatic payments on their app which I would argue to be predatory.