davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to formally file a complaint against Santander Consumer in relation to the retail installment contract associated with my auto loan. It has come to my attention that Santander Consumer failed to provide full disclosure regarding their intentions to convert this contract into security using my signature. 

Specifically, Santander took the finance securities collateralized by auto loans, bundled them into pools, and transferred them to a special-purpose entity ( XXXX  ), which subsequently transferred the pool to a trust. Payments on the underlying auto loans were pooled in the trust, and these funds were used to pay note investors their due principal and interest, with any excess spread paid to the equity holder. 

As a customer, I was not provided with full consideration and full disclosure of these actions, which I believe is a breach of trust and contractual obligations. After discovering this, I properly endorsed the instrument, filed the necessary paperwork, and sent it to their indentured trustee on XX/XX/2023, XXXX. However, Santander has neither processed the security per my instructions nor adjusted the accounting. 

Furthermore, Santander has reported late payments to my credit report and threatened repossession, causing undue stress. I have provided them with a Notice of Rescission and Removal of Security Interests, Right to Repo, and Insurance Proceeds on XX/XX/2023 XXXX. This has resulted in the violation of my consumer protection laws in the State of Florida, specifically 501.204 Unlawful Acts and Practices, 501.976 Actionable, Unfair, or Deceptive Acts or Practices, and 1006.14 Harassing, oppressive, or abusive conduct. 

In addition, XXXX, XXXX, and XXXX have provided Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), All are prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, XXXX, XXXX, and XXXX have reported inaccurate information in my credit file, resulting in adverse actions against me by lenders. Lack of reasonable procedures : According to 15 U.S. Code 1681e, All must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, XXXX, XXXX, and XXXX have failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA has put the status of an account into 'credit only ', and will close the account at some point in the near future citing that they detected business activity on the account. While I do have a farm, and the appropriate EIN numbers and corresponding operating business accounts from which the business aspects of the farm operate, my children also personally own horses and those horses are under paid for through my personal expenses. There have been no business expenses through tis account, it is the account that every single personal bill for the entire farm/household are paid through this account. Additionally, the monies in this account are all the proceeds from a life insurance policy, and the account in question receives the Social Security Survivor Benefits for my youngest child. Looking back at the account for XXXX months there are ZERO business expenses, and there is no recourse through USAA. Most problematically, I have no access with no warning to the funds in this account, and the representative from USAA was unable to advise what happens to the outstanding payments scheduled through their bill pay system, outstanding checks, and certainly no regard for the fact that the direct deposit took almost a month to set up, requiring a daily phone call for every business day of an entire month, and a month to set it up. Not sure what their criteria is for business activity, but they have no sense of a farm as a business, this account is not used for business, and closing it will require paying fees to USAA and reordering checks on a new account that would operate exactly the same way because it is a household personal account. Would be very happy to go item by item on the expenditures of this account, but would like to have the check order for this account refunded and to be on record that this is a personal account.
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

On multiple occasions, I asked MOHELA customer service representatives if shifting payments of a lump sum payment would change the effectiveness date or if I should request a refund. I was told shifting the effectiveness date of the lump sum payment was fine. Now MOHELA is saying : " While your payment of {$8000.00} made effective XX/XX/XXXX, was reapplied to fully satisfy bills that would have been due through XX/XX/XXXX, your full payment retains its original effective date. Our records indicate that no payments were made to your account following your effective date of forgiveness. ''
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (WA)

I first learned of the debt of {$130.00} on XX/XX/XXXX from Transworld Systems Inc., that I did not know I owed. They immediately put this debt on my credit report prior to my knowledge of the debt. I tried to pay the debt and inadvertantly dated my check XX/XX/XXXX instead of XX/XX/XXXX. They returned the original payment slip with my check to my son with a letter stating he owed $ using the same account number. According to the original account at XXXX XXXX my son was XXXX at the time this debt occurred. I am not exactly sure what they are trying to do but I am sure they can not go after XXXX different people for the same debt. I also do not believe they followed proper procedures prior to reporting anything to my credit report.
Consumer complaint received 2021-12-21
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. (MA)

On XXXX/XXXX/2021, I received Experian 's response to my complaint on XXXX/XXXX/2021 Company 's Response " Thank you for submitting your complaint on XXXX XXXX, 2021 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you would like the method of verification used to verify information on your credit report. You also request original signatures or any tangible proof that verify the accounts. But, you do not mention which disputed items you are referring to in regard to the previous investigations. At this time, we are unable to process your disputes, as they are not specific '' There has been corresponds via letters and CFPB 's portal numerous times between the parties. And each time I convey, with uploaded documents, I might add, that I want specific items removed off my credit report that are not accurate or can not be verified. Therefore, Once again, I will be sending Experian a certified letter with the exact same document that I will upload here. All we have to do is look at the history and the documentations. It states what I am disputing.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems.

The events mentioned, including XXXX  occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency.

Additionally, it is noteworthy that the financial institutions sharing this information with Chex Systems are not related by any common ownership or corporate control, rendering Chex Systems a non-affiliated third party. According to the Fair Credit Reporting Act, the unauthorized sharing of consumers ' nonpublic personal information with any non- affiliated third-party consumer reporting agency is considered a breach of identity protection.

I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.

Moreover, as per 15 USC 1681 ( d ), any " person, '' including corporations like Chex Systems, may not procure a consumer report on any consumer unless there is a clear disclosure to the consumer that an investigative consumer report may be created. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I did not receive any written disclosure from Chex Systems regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record.

To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer.

I appreciate your immediate attention to this matter and anticipate a thorough investigation into the inaccuracies outlined in this letter. Your adherence to the FCRA is crucial in ensuring the fairness and accuracy of consumer reports. I look forward to your timely response.

Attached below is my Driver License to validate
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached
Consumer complaint received 2023-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I opened a new business checking account at Wells Fargo ( where I have been a member for XXXX years ). On XX/XX/XXXX, I then transferred {$34000.00} to that new account, from my XXXX business account ( which is the reason I opened the new account ). 

I have the confirmation from XXXX XXXX XXXX ) that the transfer was from XXXX from Wells Fargo XXXX However, on XX/XX/XXXX XXXX received multiple emails and notifications that Wells Fargo flagged me for fraud because the check XXXX sent had the recipient addressed to " XXXX '' from " XXXX. '' I was informed that they had frozen my personal accounts at Wells Fargo ( where I have ~ $ XXXX unrelated to this transfer ) and that they are closing all my personal accounts. In addition, they are holding the funds sent by XXXX and will not start the transfer back for XXXX days at which time the transfer could take up to XXXX weeks. 

I was told to go to the bank and show them my transaction in the XXXX app and that I could also pull cash from if I was in person. I spent XXXX hours at Wells Fargo branch with customer service trying to help and as I showed them everything they said they needed. 

Wells Fargo won't release any of my funds without a statement from XXXX, however, I can not get a statement until XX/XX/XXXX ( they say they're holding my funds until XX/XX/XXXX ). When I asked what happens after they close my account, they told me it would take up to a month to get my money that is in my account. 

Wells Fargo XXXX department is unable to show me or the customer service proof that the transaction listed the recipient as " XXXX. '' XXXX XXXX XXXX their XXXX they see the transaction went to Wells Fargo. 

Today ( XX/XX/XXXX ), I received a notice from another bank of mine ( Wealthfront ) that Wells Fargo is reversing a deposit I made to them on XX/XX/XXXX. 

All in all, Wells Fargo is now holding {$75000.00} of my personal funds and telling me I won't be able to access them until XXXX. This is ALL of my cash, which means I have no access to my own money for more than a month ( most likely XXXX ). 

The Customer Service person at the branch is filing an internal complaint, but I am at a loss for what else to do. How is a company able to freeze my funds for XXXX days with XXXX notice, even when I've provided proof that I did make the transaction? I'm unable to access even {$100.00} to pay for food.
Consumer complaint received 2024-06-24
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: V and H Portfolio (ID)

Vance & Huffman purchased an old debt XXXX years old. They reported it to XXXX as a new debt. I contacted them and explained the old debt had been paid but I didn't have a receipt. I explained that the debt can no longer be collected on as the statue of collection period had passed. I was told I would have to have proof of it being paid. 
I suggested they trace the debt purchases backward as it was sold several times. I myself tried and got no where. 
I don't have issues with paying my legit debts. It's not right for a company to report a debt as a new account or to try and collect a debt that is not legally collectable.
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

CFPB Complaint Letter Regarding Synerprise Consulting Agency XXXX XXXX XXXX Email Address : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Synerprise Consulting Agency Dear CFPB, I am writing to file a complaint against Synerprise Consulting Agency concerning their debt collection practices. They are claiming I owe them a debt, and I am disputing this claim in its entirety. 
Dispute of Debt and Revoking Communication I dispute owing Synerprise Consulting Agency any money.

I am revoking all consent for them to communicate with me through email, text messages, or calls. 
Request for Validation and Documentation I am requesting a validation of the alleged debt, including the original purchase agreement between XXXX XXXX XXXX and the original creditor. 
I request proof that Synerprise Consulting Agency is a licensed and bonded debt collector as req

uired by 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, and 12 CFR 34 ( d ). I also request proof that they are compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681 S-2 7a, particularly regarding the communication restrictions. HIPAA Violation and Lack of Proper Notice I have no
t consented to anyone sharing my medical information with Synerprise Consulting Agency. 
I never received a five-day notice prior to collection activities, which is a violation of my rights under the FDCPA. 
I was unaware of this alleged debt and did not have an opportunity to dispute it before collection actions began. 
Request for Proof of Notification If Synerprise Consulting Agency claims they sent a five-day notice, I request a copy of the certified receipt with my name on it as proof of delivery.

Impact and Damages Synerprise Consulting Agency 's actions have been malicious and have negatively impacted my reputation and creditworthiness.

Desired Outcome I request the CFPB to investigate these allegations and ensure Synerprise Consulting Agency ceases all collection activities and removes any inaccurate information from my credit report. I would also like them to confirm my right to not be contacted further. 
Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX XXXX XXXX ( ID and proof of address )
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/21, A fraudulent dispute was made on my BoA credit card. I immediately reported it to BoA and they refunded the charge and they replaced the credit card. This charge was later re-added to my card as a fee from BoA on XX/XX/21. This is absolutely a fraudulent charge and I am not able to dispute this and remove it.
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. (TX)

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and Transunion still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Consumer complaint received 2023-08-14
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: BSI Financial Holdings, Inc. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 US 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON AN ACCOUNT under an open end consumer credit plan as late for any purpose. UNDER 1639 No creditor may impose a late payment charge or fee in connection with a high-cost mortgage more than once with respect to a single late payment.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!
Consumer complaint received 2023-06-15
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX