davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander consumer usa violated my rights After reviewing the truth in lending they provided me the calculations was all wrong. Not only that they have been furnishing my information to XXXX party with out my consent or notice. My car was recently stolen from my possession with XXXX party affiliated which i have never consent for them to continue giving out my personal information I recently sent them a notice to stop and deceits they continue to violated me with no regards to my notice. i have suffered tremendously from this whole ordeal.
Consumer complaint received 2022-12-30
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. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2020-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

In re XXXX XXXX  and Hunter Warfield Revenue Recovery Services I had a scheduled check out date at the apartment. The checkout day was during a weekend and/or holiday, so I turned in the unit key to the on-site security/property office. At the time of turn-in, I asked the team whether they a document to sign, or other process form and receipt to show that I have turned in the key ; the person at the time responded they do not. 
XXXX XXXX and Hunter now claim that I stayed in the unit 2 weeks after the checkout date. Since the question turns on what day the actual check out was made, I have repeatedly asked XXXX XXXX  and Hunter to provide documentation satisfying their claim of my alleged check out date. They have repeatedly failed to provide this, nor can they provide any sort of documentation in a log, or document with my signature, of either checkout dates in question.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (FL)

Greetings, This concerns a foreclosure case. The Trust that currently hold the note is not responding to the short sale offer. I 'm not sure if their attorney has sent it to them. Although I have an email that confirms it. I have called the Florida Bar twice to try to reach out to the attorney to negotiate the sale. The first time he did respond but not much since. They are trying to change the locks on the house while it is still in my name. The utilities are also still in my name and they are trying to lock me out. I am currently my own council for the case. I hope you can help me reach out to them to reach a settlement. Thank you for your time.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JH Portfolio Debt Equities, LLC (PA)

jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I received an email stating that i am eligible for wellsfargo current lawsuit of XXXX which was result of wrong charges charged to customer and i am eligible for a refund but when i contacted the bank they said they cant do anything. Can someone please help me.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CA)

In XXXX this year I went from leasing my XXXX XXXX XXXX to purchasing it. With the help of a car dealer I obtained a loan to purchase the car. 

I'm trying to understand why the car dealer, XXXX XXXX XXXX XXXX XXXX ( XXXX ), took over 1 month to pay out Chase Auto Finance at the end of my lease. This final late payment caused severe damage to my credit rating. 

Below I've detailed the chronology of events in XXXX and XXXX this year. I have documentation to confirm each event. I believe that I need XXXX to admit fault for paying Chase 's auto lease department over 30 days late for the final payment on my lease, causing me to lose 159 points on my FICO credit rating. 

Chronology of Events : My lease with XXXX expired on XX/XX/XXXX On Saturday XX/XX/XXXX, 2 weeks before the expiration, I paid a {$3000.00} down payment for purchasing the XXXX. XXXX told me that I would get financing without any issue. 

During the week of XX/XX/XXXX I was contacted by XXXX and told that I needed to make the down payment by check and that the credit card down payment would be returned. This was frustrating because I had to drive back to XXXX and submit the check. I did this on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX informed me that he needed to switch lenders. We switched to XXXX. 
On XX/XX/XXXX XXXX confirmed that the loan had been accepted by XXXX. 

OnXX/XX/XXXX, 49 days after my initial {$3000.00} down payment, XXXX finally made the last payment to Chase to close out the lease. This payment was due on XX/XX/XXXX ( I believe ). XXXX also paid a late fee which was not passed on to me. XXXX paid the following amounts : {$21000.00} & {$700.00} and the late fee. 

As a result of these late payments my credit score plummeted from XXXX to XXXX. ( The timing is awful because I'm trying to get a mortgage for a house ) Thanks XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

XX/XX/XXXX, XXXX While purchasing tickets on XXXX XXXXXXXX XXXX website, I received an advertisement for an American Express card with XXXX miles and a {$400.00} statement credit. I applied for the card by clicking on that link and was approved. 

On XX/XX/XXXX, XXXX I asked American Express about the statement credit using the chat feature on their website. They told me that it was not part of the welcome offer but that they would open an investigation.
Consumer complaint received 2020-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with KOHLS/CAPONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  and KOHLS/CAPONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RGS Financial, Inc. (NV)

On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX
Consumer complaint received 2024-02-26
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Maximus Federal Services, Inc. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name AIDVANTAGE __ Date open______XXXX___________________________________ Account NumberXXXX Reason for dispute__IDENTITY THEFT_______________________ Account Amount__XXXX______________________________ Account Name___XXXX _____ Date open________XXXX_______________________________ Account Number___XXXX______________________________ Reason for dispute__IDENTITY THEFT___________________________ Account Amount____XXXX_____________________________
Consumer complaint received 2020-08-05
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. (GA)

I have disputed these unknown addresses, inquiries, and collection account ( in which the amount is consistently increasing ) on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which are violations of the FCRA. TransUnion has continued to report inaccurate and unverified information on my credit report without any supporting documentation. This is hurting my credit scores and my buying power. 

I have called all of the creditors who pulled my credit and none of them have any records on file that I authorized them to pull my credit. I have also sent a certified letter to XXXX XXXX on XX/XX/XXXX requesting a signed contractual agreement with them along with other requested items to validate an alleged debt that they say I owe but no response back from them and TransUnion keep stating verified, so how is this possible?
Consumer complaint received 2020-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with KOHLS/CAPONE, XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and KOHLS/CAPONE, XXXX   XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-12-30
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. (OR)

Currently have an account with XXXX XXXX XXXX. This is a line of credit. Balance on credit report has not changed in 3 months after several payments. 

All three reporting credit agencies report wrong balance. 

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX  contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (FL)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2023-05-30
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: CAINE & WEINER COMPANY, INC. (CA)

We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have Progressive Home and Auto insurance in Florida. Shortly after moving to CA we asked Progressive to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with Progressive and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since Progressive sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by Progressive. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.
Consumer complaint received 2020-08-05
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I appreciate the response to my inquiry. However, I disagree with multiple components of the response. I was never, at any point, contacted by Toyota to address any concerns for potentially late payments and/or credit markers. Each and every time I requested a deferment. Your records will show that I did request a deferment for other months, correct? Then please ask yourselves why would I have failed to do so for other months when I knew this would prevent a credit marker? I feel as though this reporting is unjust. I have dealt with Toyota on multiple occasions and the most recent accounts ( one was just under my wifes name ) never once had a negative payment. However, there were times when we neared one and never once received a call of any sort from Toyota. I also never received correspondence via mail but if I did, it would have been too late. These late payments are adversely affecting my credit score but I no longer have documentation to support otherwise given that it was 5 years ago. Instead, Im forced to rely on what I feel is faulty reporting and an attempt to cover the tracks of Toyota by insinuating that attempts were made to help me. I am very familiar with the process, as evident in deferments that were granted for other months but were documented properly, so why would I not have done that for other months? I also always paid and my account was closed in good standing. I had other payments that were recently corrected via Toyota on this account ( XXXX payments not yet due for removal ) so I know that mistakes were made previously leading me to believe that these are in fact inaccuracies. I request a reconsideration. If call logs can not be produced, then essentially it is my word vs theirs and given that theyve already shown to make mistakes, I will assume that I am correct. I didnt always have the most stellar payment history, but I KNOW I made these payments on time.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (AZ)

I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (TX)

XXXX XXXX was transferred to Elan Financial as the new servicer in 2019 at that time I wasn't able to make anymore payments because I never received the new card to be able to login to their portal. I called XXXX to make payments they told me to contact Elan Financial and when I would Elan would tell me they don't have my account yet and unable to make payment. I also had Reward points which amounted to over {$340.00} and was suppose to be applied to my account balance at the time which was roughly {$830.00}. Now Elan Financial has the account ending XXXX as a charge off with balance due of {$1000.00}.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I attempted to log onto Experian 's website using my existing password, which was correct. Experian told me that the password was incorrect, which was not the case. I attempted multiple times to change my password. However, Experian won't let me finish the process of changing it. It appears that Experian is redirecting me from the page to reset a password to the page for creating a password for a new account, which might be the cause of the problem.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I found charges in my personal Wells Fargo account that were not mine. I found the following charges and dates : XX/XX/XXXX Recurring Payment XXXX XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX These are the dates I found and filed but when speaking to the XXXX representative on XX/XX/XXXX he found XXXX back XXXX for XXXX. On XX/XX/XXXX I received a letter stating that only the XXXX would be refunded due to over 60 days since first withdrawal occurred. 

I went into the branch and spoke to a banker XXXX and she stated that the claim filing with the XXXX claim was the issue and we needed to refile with the original dates I called about. She then say an additional claim on XX/XX/XXXX for XXXX that was processed after my fraud claim was filed. This claim for the XXXX has been found to be fraud and reimbursed. 

Wells Fargo admits they are aware it is XXXX and I called on these dates even before the statement for these dates was mailed. They are stating that the 60 days between the XXXX claim and XXXX claim makes the XXXX is not reimbursable due to how claim was filed. 

This new addition to XXXX fraud policy is a new one as I have previously had a fraud claim that span eight months and all fraudulent charges were reimbursed. I have been given as many stories as employees that I have spoken to. 

Claim number XXXX paid XXXX Claim number XXXX paid XXXX not paid XXXX Claim number XXXX is open after I let them know I would be filing claim here. I asked what dates are on this claim and it still remains unclear but is with upper management in the Fraud department. XXXX contact number XXXX is the last person I spoke with today XX/XX/XXXX.
Consumer complaint received 2022-12-30
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. (DE)

Equifax continues to report " XXXX '', an account that they confirmed has already been deleted from my credit profile. I have the paper documents from Equifax as well as the confirmation # from the initial dispute results THAT SPECIFICALLY SAYS " THIS ITEM HAS BEEN DELETED FROM YOUR CREDIT FILE ''. 


Equifax Dispute Confirmation # : XXXX