davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

A new mortgage company took over my mortgage and it started in XX/XX/XXXX all payments were made early and on time till five months later they took one of my payments and said they gave it to my original mortgage company and said it was because my original mortgage company had returned a payment in XX/XX/XXXX I called many times to resolve and was told if I send bank statement for XX/XX/XXXX that shows no refund was made they would put back the payment and I would not have to pay all the interest which is over a XXXX dollars now but after submitting the papers they denied it and said I still owe a payment and late fees
Consumer complaint received 2024-06-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/XXXX and XXXX XXXX I purchased XXXX gift cards. XXXX of those cards have never worked. I tried to use them several times on different days, and they declined every time. I checked the cards on the gift card website, and there is no indication of any problem with the cards. When I call the company, they keep me on hold for a long time, and the person I speak with have a heavy XXXX accent, making them almost impossible to understand. They just tell me to try the cards again. I have tried the cards many times. THEY DO NOT WORK! It is very embarrassing to have my payment cards fail every time I use them. 

Card numbers : XXXX XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (IN)

My accountant had requested my business Credit card statements for 2022. I found that they were not online from XXXX through XXXX. I have call Wells Fargo every month for the past 6 months. They keep saying that they mailed them, I then confirm the address is correct and I never receive them. I'm now going to be penalized by the IRS for being late on my business taxes and personal taxes. I even asked for a supervisor and made a formal complaint and they said someone from the Complaint Department would contact me in 2 business days. That was over 2 weeks ago.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (CA)

I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in XXXX XXXX but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX  clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2021-12-21
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Today, Monday, XX/XX/XXXX I received a writ of XXXX in the mail for a balance that I am unaware of. I contacted the collection agency ( XXXX XXXX ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with Bank of America in the amount of {$6300.00} and then with FIA Card Services and a judgement was entered against me in XXXX and that XXXX XXXX had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my account.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX*Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Well, Synchrony bank mastercard approved me for a {$1000.00} limit credit card about 5 months ago. I have made on time payments and even paid off the balance in full. After, I paid the balance in full they reduced my credit limit to {$250.00}. Therefore, decreasing my credit score by XXXX points. They did this at the same time they reported the payment. Which in fact had a negative impact on my credit score. I gave no reasons for them to review account and decrease my credit limit. They do this quite often, my husband had a card with them and he used it and paid it off. After he paid it off they didn't decrease his account they actually closed it. His credit score also took a dip. I dont know if anything can be done about this as it has a very negative result for consumers. I think this should fall under unfair practices.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-12-20
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: GOLDMAN SACHS BANK USA (VA)

These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

This is in reference to previous complaintXXXX. 
I am enclosing XXXX and XXXX year summary for the credit card ending in XXXX. 
my previous correspondence, required an answer to WHY i WAS CHARGE IN THE MONTH OF XXXX 5X 40 = {$200.00} " returned check/bank declined transaction "!
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXXXXXX XXXX is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXXXXXX XXXX XXXX willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Consumer complaint received 2021-12-20
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. (PA)

I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of
Consumer complaint received 2019-12-13
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-12-20
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. (PA)

These two accounts are supposed to be immediately REMOVED BLOCKED DELETED. This a FRCA law violation the information is not displayed across all three bureaus.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in XX/XX/2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX   services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in XX/XX/2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (MD)

I am filing this complaint against Santander Consumer USA for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : Santander Consumer USA placed a collection account on my credit report without providing the required validation information within five days of initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the debt and dispute its accuracy if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a fair chance to dispute the validity of this collection account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). Without the proper validation notice, I am unable to exercise my right to challenge the debt 's legitimacy.

False, Misleading, and Deceptive Practices : By placing an unverified collection account on my report without proper disclosure, Santander Consumer USA is using tactics that could be considered false, misleading, misrepresentative, and deceptive. This practice violates my consumer rights.

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) : The collection agency has no right to report the debt to a credit bureau without providing all legally required disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This action constitutes a clear violation of these regulations.

Disclosure of Non-Public Information ( 15 U.S.C. 6802 ) : If Santander Consumer USA is affiliated with the creditor of this alleged debt, they may have violated 15 U.S.C. 6802 by disclosing nonpublic personal information to a credit reporting agency without providing me with proper notice under section 6803 of this title. 


Santander Consumer USA has had many violations in the past for the same grotesque actions.
Consumer complaint received 2021-12-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I have a XXXX XXXX that XXXX XXXX XXXX XXXX XXXX. I already pay a percentage plus a fixed dollar amount per transaction for credit cards. I've learned that my processing fee for American Express cards will increase from 2.9 % + {$0.00} to 3.7 % + {$0.00}. And I do not believe that this fee should be passed on to customers. It is hard enough to be a struggling small business, and to have this forced upon my bottom line is making a hard time harder.