davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I filed a written complaint on XX/XX/XXXX by telephone and by letter ( attached ). 
They sent acknowledgement letter on XX/XX/XXXX and responded to a my secure online message on XX/XX/XXXX. I've called to ask for a resolution because it is over 90 days and they keep charging me interest on my dispute which is described below. But they said they would contact when they have an answer. And now when I call I get a recording.. " WELCOME TO XXXX XXXX , your call can not be completed as the called party is temporarily unavailable .please try your call later '' I called today XX/XX/XXXX at XXXX XXXX  EST Tel # XXXX during their stated business hours. 

ISSUE : I called when I received my XXXX statement to dispute deferred interest charges they charged regardless that I made full payment on XXXX of {$940.00} before a {$930.00} deferred promotional balance expired on XX/XX/XXXX. My XXXX statement stated that an auto payment of {$130.00} would be deduced on the due date XX/XX/XXXX, but they didn't deduct the auto payment because they said I made the XX/XX/XXXX payment. No other bank does this. I called and filed a complaint and was given XXXX XXXX XXXX. I wrote a letter on XX/XX/XXXX, but there was no response, so I sent a secure message through Comenity Bank Website for XXXX XXXX XXXX, which was acknowledged Message ID : XXXX. I received a physical letter from them on XX/XX/XXXX. Besides not crediting my payment to the promotional plan that expired first, they are still applying any extra payment to promotional plans that expire last, It is so hard to even understand how they are calculating interest ( and I am a secretary who does taxes and calculate closing cost. According to the last statement they charged interest of {$770.00} in XXXX and {$16.00} so far in XXXX.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX and allegedly according to Santander Consumer USA I made agreements with to pay monthly installments of {$510.00} for 75 months and made a {$2000.00} down payment. Although the car had a used sticker value at the time of around {$17000.00}. The initial balance was {$19000.00} and so far ive made 41 installments on this loan 3 of which were late none exceeding 30 days. I still owe a balanced on my credit report of {$13000.00}. The last three months i have not been able to make the payments, due to my vehicle not being able to run for the past 5 months and now needing a new engine because of a mistake a mechanic made on the car. Also my business recently has been running into some low income and the rising costs of my rent, utilities and other bare necessities has been making the payments very difficult. Its is one of a few things that is causing my entire family of six a massive mental hardship. For this has not only lowered my credit score and but the creditor has already threatened to put derogatory marks on my credit and even some instances where they mentioned collections. Which will do nothing but just subtract points from my low credit score. This is something that has prevented me from buying a home for my family as well as withholding my ability to utilize my credit in the ways I intended. The balance is the largest balance on my credit report and can and i can ill-afford and will not be making any future payments to the creditor.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (NC)

XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-29
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. (LA)

Four collection agencies have been reporting inaccurate information to Experian, XXXX, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - Experian, XXXX, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I XXXX  XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. Experian even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Consumer complaint received 2020-09-29
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. (LA)

XXXX collection agencies have been reporting inaccurate information to XXXX, Equifax, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, Equifax, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I employee XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my employees jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Consumer complaint received 2022-11-07
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (TX)

XXXX XXXX issued me and my ex-wife a check ( # XXXX ) in the amount of {$15000.00} in XX/XX/2020. The check has both my name AND her name on it. 

However, Schwab bank improperly deposited the check to her " personal '' account without my endorsement at the back on XX/XX/2020. The money belongs to a loss claim of a house that was awarded to me in the divorce. As of now, the money is still in her account.
Consumer complaint received 2023-01-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian and XXXX requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX  XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate Experian and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

As of XX/XX/XXXX my mortgage was sold to BSI Financial while I was on a 6 month forbearance plan due to XXXX. As of XXXX  Ive been making on time and in full monthly mortgage payments to BSI Financial from the same checking account. In XXXX of this year, BSI Financial sent me loan modification paperwork stating that the 6 months worth of mortgage payments would be sent to the back of the home loan, and to continue to make my monthly mortgage payments. BSI Financial has been taking my payments as per my mortgage agreement from the same account since XX/XX/XXXX. As of XXXX my account isnt updated and BSI Financial reported those 6 months ( 180 days ) of payments delinquent to the credit bureaus which has negatively effected my credit score. There has been no movement or action taken place by BSI Financial to correct this issue.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I paid my HSBC credit card account balance off on XX/XX/2022 Before it was transferred over to the new credit card company XXXX XXXX XXXX. There was a XXXX balance. I have contacted Hsbc more than 5 times by phone. They keep telling me they no longer will service the transferred account. They keep referring me to XXXX gold card the new company. When I contacted the new company about this they said I had no owed balance on my account at all. They confirmed that there was no balance. I filed more than XXXX disputes with XXXX. Each time they decided the balance would remain because hsbc said the balance it accurate. But I have a Bank statement from XXXX XXXX  XXXX that clearly says and confirms what I am saying. I just file another dispute with XXXX about the same issue, reporting fair information to my credit report. This is stopping me from conducting my business. The amount {$3800.00} paid by me
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had an auto loan with Capital One and refinanced the auto loan with XXXX XXXX. I received and mailed off the payoff check to Capital One on XX/XX/XXXX. On XX/XX/XXXX, I called and asked if the check had been received & was told it was not. Mind you, it matters not when you mailed the check out, only when they acknowledge receiving the check. Every day that passes, additional interest accrues to the balance. Worried that the check was lost in the mail, I went to the nearest XXXX XXXX branch to get a second check and XXXX XXXX put a stop payment on the first check. Instead of mailing off the second check, I deposited the check into my Capital One checking account so that I could pay off the loan online instead. However, on XX/XX/XXXX, the account was closed & " paid off '' and I was unable to make a payoff payment. I called Capital One and informed them that the first check was no longer any good and that I wanted to make the payoff online. I was told that I would have to wait for the first check to return and the account to reopen. On XX/XX/XXXX, a representative assured me on a recorded line that although they could not accept a payment on a closed account, if I made the payment the day it reopened, no additional interest would accrue on the account and the payoff amount would be the same as the day it closed. With her reassurance, I did not call back again until the account opened back up on XX/XX/XXXX and an additional {$160.00} in interest had been added to the payoff amount. I would like Capital One to honor what was told to me on XX/XX/XXXX & receive a reimbursement of the difference. It was more than " XXXX business days '' before the account reopened, they refused to accept a payment from me on a " closed '' account, yet hefty interest was allowed to accrue on a balance that shouldn't have existed if they would've accepted a payment from me. I want transcript and/or a recording of the recorded phone call on XX/XX/XXXX if they will not honor what I was promised on the phone. Thank you.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax, XXXX and XXXX requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate Equifax, XXXX and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (MS)

I'm not a third party In accordance with The Fair Credit Reporting Act the list of accounts Below have violated my Federal Protection consumer right, and are not completely accurate as the law requires. 

15 US.C 1681 Section 602 ( a ) ( 4 ) states that we have right privacy.

15 USC 168 ( a ) section ( 2 ) States Consumer can not furnish my account with out written instructions.

Also according to U.S.C 1681n ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure of no less then {$100.00} and not exceed {$100.00}.

XXXX XXXX XXXX XXXX XXXX Last verified or different with the three credit bureaus, also the date of last activity. 2 violations. 

XXXX  accounts # XXXX Last date of activity difference on the three credit bureaus also the date of opening is different. 2 volations XXXX XXXX account # XXXX Last verify doesn't match the 3 Bureau also the date of last active and the date of opening. 3volations. 

XXXX # XXXX XXXX verify, date of activity date of open date of closed, does not match the three credit bureau.XXXX XXXX XXXX Accounts XXXX XXXX, XXXX Date of last activity, and date of open. 2volations XXXX XXXX XXXX XXXX Last verified and date of last activity and date of open. 3 volations Total volations 16
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe PayPal {$550.00}. I owe PayPal {$0.00}. I have attempted to investigate this matter with PayPal six times since yesterday, but I have not received meaningful contact from PayPal. I was also on hold with the PayPal Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to PayPal, I would have been notified directly by the company first. Finally, PayPal issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that PayPal owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted anxiety and grief. PLEASE HELP ME.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

Purchased a motorcycle at XXXX XXXX XXXX, for internal commute purposes, and had it financed with Yamaha Motor Finance Corporation as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via Yamaha Motor Finance is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and Yamaha, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with Yamaha Motor Finance Corporation, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the motorcycle i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Consumer complaint received 2023-03-15
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT CONCEPTS, INC. (WA)

Credit Concepts XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Debt amount {$4600.00} XXXX They contacted a friend and gave him the letter at his property, and I did not live there and gave him the letter that was served that was supposed to go to me. Which he gave to me and it was threatening to sue me. Also, the information is incorrect on XXXX and XXXX.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (NC)

So somebody got a car in my name it was paid for I spoke with Experian XXXX customer service line and they said I got a car I was like what I don't even drive. So basically I know I'm being frauded and it's messing up my credit please my name is XXXX XXXX please help
Consumer complaint received 2020-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANNER CORPORATION (OR)

In XXXX Of XXXX, I applied for a first mortgage loan from Banner Bank in XXXX XXXX to do XXXX XXXX business with my business partner. The business was to hire veterans and XXXX XXXX  workers. 
The paperwork was handled by XXXX XXXX. I gave all required documents and kept asking if anything I could do to expedite my loan. My emails and phone calls were barely returned and in the meantime my cost of goods ( gold prices ) were up. 
Finally XXXX XXXX told me I could get {$220000.00} based on my income. I agreed. 
Then time went by and no closing of the loan. I contacted XXXX XXXX manager at the branch and explained the situation and she said okay send me your XXXX Tax return which I faxed same day.

Two days later she calls and said I can not give you the loan.

For two months I waited and in XXXX of XXXX XXXX XXXX gave me a HELOC on my free and clear property. 
XXXX XXXX also said we will pay the HELOC and I will get {$120000.00} which I agreed. 
I also spend much money in sending paperwork via postal services and fax costs. 
Please this is not fair as I have lost almost {$500000.00} deposit on the business because of the banks false promises. 
Very Sincerely, XXXX XXXX