davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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: Santander Consumer USA Holdings Inc. (PA)

CHRYSLER CAPITAL In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XX/XX/2017. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NH)

I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to Midland credit management with no luck. I have no idea who could have done this under my name.
Consumer complaint received 2019-12-18
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)

I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that XXXX  XXXX XXXX incorrectly put hard inquiries on my Experian credit report twice, on XX/XX/2019 and XX/XX/2019,  respectively, and XXXX  XXXX XXXX also incorrectly reported to Experian a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from XXXX  XXXX XXXX saying that they request Experian to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from XXXX  XXXX XXXX says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to Experian, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, XXXX  XXXX XXXX ) that reported the information has certified to Experian that the information is accurate. '' To summarize, after a month of investigation and processing by both XXXX   XXXX XXXX and Experian, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because XXXX  XXXX XXXX determined that they reported accurately and Experian takes their words for it.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (AL)

Company say a live check was sent out in my name and was deposited into a account not linked to me without and signature on this live check they created without my permission.. Ive requested information under the ( FDCPA ) twice, once on XX/XX/21 and XX/XX/21 which I requested certain documents and didnt receive all of those documents I have requested from the company Regional Management. I will send copies of both letters show the request that was giving
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I leased a XXXX  XX/XX/XXXX. I tried to pay through the website XXXX, but could not set up payment with the VIN, as it indicated I could. I needed an account number. I called the dealer but they were not affiliated with the finance company. I contacted the finance company, but they only had my previous car loan information. I sent an email XX/XX/XXXX to customer service through their website requesting an account number and never received a response. On XX/XX/XXXX, I received a phone call from the Hyundai Finance collections department attempting to collect a past due debt. I had to press them to look into the account and they indicated my first bill was issued XX/XX/XXXX, two weeks after the first due date. I had not yet received the bill at the time of the call. When the bill came it showed the account was past due. The collections agent agreed to waive the late charge and took my payment over the phone. I received a phone call XX/XX/XXXX, again from the collections department attempting to collect a past due debt. They told me the XX/XX/XXXX payment was not made. I paid it again, and I paid for my upcoming XXXX payment. Afterward, I examined my bank account, I saw that money was taken from by bank account XX/XX/XXXX, issued to Hyundai Finance. I called their customer service. They told me the payment was not made. After pressing them and some time into the conversation they found they had applied the payment to the wrong account. I was told a refund would take 30-45 days to process. I am without this needed money and they will not return it for 30-45 days. How can this be legal? How can a finance company be this incompetent? Surely this company is not following guidelines. Something should be done to prevent them from operating in this way. They did not provide a method to pay, then harassed with collections, then took money and didn't apply it to the account, and then refused to return the money for 30-45 days.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Flagstar Bank, I am unable to pay my mortgage electronically through normal course of online payment. I called the : ( XXXX ) XXXX and I am told they are having technical difficulties and they are unable to take my call. I am immediately cut off for further contact or provided with an alternative number for online payment. I am very concern that this will affect my credit rating of a late payment.
Consumer complaint received 2021-12-14
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 am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please also remove all employment information as I am not working.
Consumer complaint received 2022-03-23
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

On XXXX I was scheduled to receive services from XXXX  XXXX   by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX. The merchant was unavailable and charged my checking account for {$50.00} ; I did not receive any services. The merchant has not responded to multiple attempts to recover fee via email and phone calls.
Consumer complaint received 2022-12-17
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. (WA)

I had to do on XXXX for major medical reasons. I was awarded permanent XXXX on XXXX. It might have been XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I had worked hard to get my accounts in order. I was notified through Equifax that I had a bill in collections that was closed XXXX or XXXX now I have XXXX accounts for the same lender for the same account that has the wrong date I did open it XX/XX/XXXX I believe of XXXX they have it as XXXX or XX/XX/XXXX. I will attach copies. Ive tried to talk to them but they keep saying its the same XXXX different accounts when theyre not. I Don have them on any other collection, Bureau it made my points go down like XXXX points.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I had a car loan with USAA as well as car insurance. I had an accident back in 2015 in which my car was " totaled '' in the words of USAA. My car was paid off and we were sent the access. On my credit report, it shows my account was charged off. They recieved their money, I called and spoke to the insurance rep personally asking if it went directly to USAA and was told yes.
Consumer complaint received 2019-12-18
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. (MA)

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Consumer complaint received 2019-12-18
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. (MA)

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MI)

I used XXXX credit card to make some purchases with promotional offer which ended last month. They created an end date that is different that due date ( lets say the statement end date is XXXX of the month and the promotion end date is XXXX and due date is XXXX of next month ) and they charged me 25 % interest ( XXXX $ ) for not paying XXXX $ on my account which was part of promotional offer. They wrote a small line under the statement that tells me to pay this amount 3 days after my statement end date which I did not even realize because the statement was just closed! Who would even think that there would a totally different due date other than the regular due date you pay your card. I paid my balance on time for 1 year and half and they charged me XXXX $ for not paying XXXX $ which they unfairly due dated. Now they refuse to remove XXXX $ of interest charge. This is not fair and I am sure many people fall for this. I wish there was a way to make them pay for their shady practice!
Consumer complaint received 2019-12-18
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. (AL)

There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Consumer complaint received 2019-12-18
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. (AL)

There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Consumer complaint received 2019-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

I received a letter from TIAA Bank stating that my 5 year CD would be set to mature after 1 year on XX/XX/XXXX. I am not agreeing to this unless I can get TIAA Bank to guarantee in writing that they will not charge me any kind of early withdrawal penalties or guarantee that they will not change my interest rate to that of a 1 year CD or add any additional fees at the closing of the account. My online bank access shows that the CD will mature on XX/XX/XXXX.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (LA)

My husband is in the military and I have had medical coverage which includes emergency room visits. They did not bill my insurance correctly and XXXX from my insurance company also contacted them to let them know how to bill. I was called also on the day of XXXX after a XXXX removal and XXXX XXXX. Asking me to pay Which also aggravated healing. And caused unneeded XXXX.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (ME)

Purchased a vehicle thru Credit Acceptance, Payments on the XXXX of the month, once i found this out I called them and told them I need payments on the XXXX of the month. They refused the change of date. I found out several months later that they were charging me late fees every month. Called and spoke again with them about the late fees and they told me to add in the late fee each month in which I did, after a few months they demanded the payments be made of the back fees plus keep my payments up. I told them I could not afford to send them XXXX dollars in late fees plus the monthly payments. They said turn the vehicle in and I did as they asked. Now my credit report states that I owe what I paid for the car after 2 years of payments. They are a preditor company, they would not work with me at all. All I expect is the truth in the report.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (KY)

XX/XX/XXXX NY XXXX XXXX XXXX- Date Opened XX/XX/XXXX Status Collection account. {$12000.00} past due as of XX/XX/XXXX. / account closed, inaccurate information. 
NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$2700.00} past due as of XX/XX/XXXX./ wrong amounts & this is public records NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$4600.00} past due as of XX/XX/XXXX- wrong amounts & this is public record
Consumer complaint received 2019-12-18
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: AMERICAN EXPRESS COMPANY (WA)

I opened an Amex Everyday card and forgot to set up auto payment. ( Customer service said I set up auto payment on the old card, wrong account. ) I was out on vacation for a month and missed a lot of mails which included one of the statement. And I only found out that I've been missing the payment for two month when I received phone call yesterday. Because I missed the payment, Amex canceled the card and all the rewards points are gone! I did not get separate email, mail, text or phone call about late payment or pending cancellation. All I received was regular statement mail ( which I missed the last one due to vacation ) and email which are easy to miss because they just have statement in title. After talking to customer service and paid my balance, my card was re-installed but the XXXX rewards points that I accumulated over the account was gone! 

Here 's what I think is unfair in this process : 1. I did not receive a noticeable warning about missing payment. It's the same as regular statement. 
2. I did not receive any warning about card cancellation. No text, phone call, mail or email at all. 
3. My XXXX rewards points are simply forfeited, even though there were proof and records of those points.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCA Collections, Inc. (NC)

On XX/XX/XXXX I sent via certified mail ( # XXXX ) a debt validation letter to SCA Collections, however the response I received from the company, violates my rights. SCA Collections is reporting to XXXX, that the account was opened on XX/XX/XXXX, which contradicts the date ( s ) listed in the documents that the company mailed to me. 
This is proof that the company is currently reporting an illegally re-aged account. This account was removed from my XXXX and XXXX   credit reports earlier this year, as a result of a dispute I filed with them. However, XXXX  " verified '' the account as " accurately '' reporting, and is the only credit reporting company showing this account on my reports. 
In addition, I asked SCA Collections in the debt validation letter to provide me with the signed HIPPA release form. They failed to provide me with this form, in their response. 
In conclusion, I demand that this account be immediately deleted from my credit report ( s ).
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (HI)

I filed for closed school loan discharge. I noted that I had withdrew prior to the school closing once we were informed of the loss of accreditation/lawsuit notice but no more than the 120 days it states..according to chapter 6 that was considered part of the exceptional circumstance and I should have still been eligible. I have also filed for the fraud discharge because they took money and forged my signature. Both applications were denied and was not given any info on how to appealthe decision.