davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (SC)

Gateway One Lending & Finance sold vehicle loan to Santander Consumer USA on XX/XX/2020. The loan balance stated does not include XX/XX/2020 payment with a principle payment of ( XXXX ) interest ( XXXX ). Santander Consumer USA has populated a statement with the incorrect loan balance. 
{$22000.00} is reported. Aprox. {$22000.00} is the correct balance. 
I have contacted Santander Consumer USA on 3 occasions, and the accounting department has yet to fix the issue. The transaction history shows this payment, but is not deducted from the previous statement account balance.
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

This case is with two prepaid XX/XX/XXXX Prepaid XXXX that I had received through Cardholder Services - XX/XX/XXXX ( XX/XX/XXXX Member FDIC ). Without warning ( no warning emails etc ... ) they XX/XX/XXXX out my 2 accounts from {$1.00} and {$2.00} fees and called them dormancy fees. And my cards had an expiry date of XX/XX/XXXX. So it was a fair assumption on my part that my balnce will be good until XX/XX/XXXX. 

I only learnt this when I tried to use the cards last week. This is an unfair business practice to take away money from someone without giving them any warning. They didn't allow me to consolidate my cards either which makes using some of these smaller balances hard. 

I am sure I am not the only one to have suffered this. I hope you can assist in getting my money back and putting some guard rails in place to prevent this from happening to other unsuspecting card holders. 

Nowhere on their website do they warn of dormancy fees, unless it just surreptitiously hits your account.. This is cheating and amounts to fraud in my opinion,
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

The credit card company denied my application upon my response to its promotional offer and repeated its denial twice afterwards upon my applying for reconsideration. 

The credit card company sent me a letter ( photo copy attached ) listing the reason for my having been denied the credit card I applied for. 

I object to the reason in the letter attached as follows : I am only utilizing only eight percent of my available revolving credit that has been extended to me by credit cards companies including this credit card company which I pay off completely every month and maintain a XXXX balance presently with this credit card company on two of its credit cards.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

In XX/XX/2020, my fianc and I combined our bank accounts. We both moved into his account. I emptied my account XXXX but left it open. 

I thought I had changed my bank account information on American Express to reflect the new account. On XX/XX/2020, I attempted to pay my statement off on AmericanExpress.com. Total : {$4700.00}. Unfortunately, the bank account information had not updated, so the system attempted to pull from my old and empty account XXXX. 

I didnt notice this for several days XXXX XX/XX/2020 ). When I logged in to check my bank account, I noticed that it had attempted ( and failed ) to pull the funds and had over drafted my account. I was told it would continue to try. I did not want to accrue overdraft fees, so I opened a case to dispute it in hopes that it would stop trying to draft. 

My bill was due XX/XX/2020, and the dispute was still open, so I moved the funds from my new account to my old account XXXX and paid off the American Express statement. I then went into my bank XXXX XXXX XXXX XXXX and closed the account permanently on XX/XX/2020. 

I assumed this handled everything as I paid my bill. 

On XX/XX/XXXX, the dispute was closed and American Express claimed to return the funds to me. Now, my American Express account shows I still owe the amount despite having paid it. The account had been closed at the point for 10 days. I called XXXX XXXX and they confirmed that nothing could be transferred into the account at this point. 

Ive spent a full work day on the phone and chats with American Express. I opened a second dispute which has closed without resolution. I can not waste any more time on useless phone calls with customer service. If this cant get resolved quickly, I will have to take legal action.
Consumer complaint received 2021-01-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (TX)

I graduated from XXXX  XXXX University in 2012. A few years after graduating, I was informed that the tuition balance owed ( {$1600.00} ) would be dismissed as a result of a lawsuit filed by the Department of Education. Soon after the notification, the debt was removed from all three of my credit bureau reports. XXXX  XXXX University Online then dismissed the debt and soon after emailed me my college degree ( please see link below ). 

Please review link below : XXXX XXXX XXXX? XXXX The debt was recently picked up by Sequim Asset Solutions Collections Agency who added it back on to my credit reports. I've spoken to them on several occasions explaining to them that the debt is not only a debt that was dismissed, but it is an 8 year old debt, but have gotten no results. They have recently added this old and dismissed debt to all three of my credit reports. I'm writing to file a complaint with this collection agency as well as to have that debt removed from all three of my credit reports. Sequim Asset Solutions telephone number is : XXXX. Their address is : XXXX XXXX XXXX, # XXXX XXXX, Ga XXXX. Thank you in advance.
Consumer complaint received 2020-03-10
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. (KS)

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

There is a collection agency trying to collect from me for something I do not owe. They sent me a letter on XXXX of XXXX. They are called FCO. They say that I owe money to The Reserve at XXXX XXXX XXXX XXXX because supposedly I didn't give them a 30 day notice. I did give them a 30 day notice in writing on XX/XX/XXXX and said I was going to move out on XX/XX/XXXX. 

I did notify them later that I was going to move out a bit early on XX/XX/XXXX of XXXX but that does not mean I didn't give them sufficient notice and that does not mean they can charge me rent for XXXX of XXXX a 30 day notice in XXXX means I am covered as long as I move out by the end of XXXX. Later I try disputing this account with FCO but they say I owe it still. I asked them for proof of why I owe money and they sent me a packet with lots of paperwork. 

I then study this paperwork and find many mistakes or bogus charges. First they send me pictures that are black and white and very grainy. Also both sets of pictures are before pictures. What are they trying to show me with grainy black and white before pictures? Next I notice they didn't even get any signatures for the walkthrough and they don't even write anything on the form. How can they try to accuse me of anything if they don't write anything in the walkthrough form? They claim to have an online form, but if they do that is written or typed up when I am not present and can't be legal as they can write whatever they want and im not present to agree or disagree with what they are writing. 

They then try to charge me rent for insufficient notice on XX/XX/XXXX of XXXX the day I move out. They then try and charge me lots of things up until XX/XX/XXXX of XXXX. Like I said earlier, I gave them a move out notice in XX/XX/XXXX. Why are they trying to charge me for XXXX? I try to dispute this for several months and everytime the collection agency does not care. They keep the account on my credit report and are damaging my credit. I then call FCO on XX/XX/XXXX and I ask them to stop collecting this account as I gave the apartments sufficient notice. FCO asked me to send them proof by fax. They said fax to XXXX. I did so twice just to make sure they received it. Now it is XX/XX/XXXX and I still see it on my credit report and they have not responded to me. What do I need to do to get them to stop? They are trying to cheat me and they don't care. Please stop them from collecting this bogus debt.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (OH)

In XX/XX/XXXX, I leased a XXXX XXXX XXXX at the end of that lease I turned it in to a XXXX dealership after buying a brand new car from XXXX. I did not receive a bill or statement to notify me of charges associated with the end of lease. I did receive numerous spam calls from people identifying as GM Financial whoever asked me for my social security number and said they couldn't help. I was alerted from my Credit Card Service that I had been reported 30 days late to the credit bureau ( still have not received a bill ). On XXXX XXXX I finally spoke to someone at GM Financial and was told they had sent a bill to my address but upon further investigation it was sent to the wrong address ( not the address associated with the address on my account ). The representative said she would send it to my updated address and remove the 30 day late mark on my account. As of XX/XX/XXXX, I still had not received a bill and had been reported 60 days late. I called to talk to a representative who said that even if i hadn't received a bill i was still 60 days late. I asked to speak to a supervisor and i was put on hold for over 10 minutes, only for the representative to tell me no supervisor is available and she will have them call me when available. I never received a call. During my lease of this vehicle, I signed up for paperless and received my statements on my account. I am not sure why the statement for the final bill has not shown up my account. I have asked for a paperless statement or email and have been told they couldn't do that. I have not received any sort of notification of the charges or statement just a total bill amount, and I'm not sure how my account can be reported as 60 days late when a bill was never received due to their logistics and error. GM Financial has made no acceptable effort to rectify the situation.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. 

said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. 

FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo took {$100.00} from me without notice or cause for unauthorized transactions. Even after I disputed the charges they refused to refund the money and charged me extra over draft fees. I have also incurred a lot of pain and suffering.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2020-03-11
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: Comerica (MA)

Checked transactions at a time in between an old card and waiting for new one because of this suspect activity.I dont recognize any of these companies or the charges.Ive not recieved any product from any of them. Ive tried to reach out to them but i dont know who they are. The bank had 1 number to call. The phone is disconnected. bank has said i entered into 1 agreement. Wheres my product they charged me twice the same day. The bank has declined my request for refund. This is all fraudulent. 
The Bank is Direct Express The company 's that charged my card are XXXX FOR XXXX ON XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX  FOR XXXX ON. XXXX XXXX XXXX XXXX 2 CHARGES FOR XXXX AND XXXXON XXXX XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-15
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: CBC Companies, Inc. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

The financial counselor from XXXX XXXX is handling this case. I told the debt collection agency this. I also contacted the hospital several times and told them I never requested medical services for my son whose bill for {$2900.00} I received. I told the hospital if I will get a bill I will leave. They told me in the admitting room that i would not get a bill because I had no insurance. They lied.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MO)

Credit Karma kept showing me credit cards that I would pre-approved for. So I tried several times, trying every card on their list, only to be denied. This would negatively affect me credit score. This happened several times in the year XXXX
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Originally in XX/XX/2023 the Rental Car Agency XXXX from XXXX XXXX, tried to charge us for some inexistent repairs to the car we've rented but we had taken pictures of the car around prior to renting it and after we've returned the car. When the XXXX XXXX discovered our version with the proof of the pictures, they voided the charge in our CITIBANK Credit Card, however, CITIBANK it's refusing to remove the charge and they are still trying to charge me and have given me a negative report on my immaculate credit history. We have been fighting CITIBANK for over a year, but going nowhere with them, they cut my phone line after I've been spending long times dealing with Customer Service. It's a shame.
Consumer complaint received 2021-01-15
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


This is unacceptable! REMOVE THIS ASAP!
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX  and Experian are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DISCOVER BANK (FL)

I have a savings and credit card account with Discover, XXXX Account XXXX, Credit Card last XXXX digits XXXX. Recently, keep in mind the credit card wasn't even due, and I usually pay it from the savings listed above. I logged onto the site, the site said that I had a {$35.00} balance in my savings, so I applied it to the credit card, apparently, there was not {$35.00} available, but Discover never alerted me to this, and they charged me a {$30.00} fee to the credit card. I immediately contacted them, them first email that I got said that the charge would stand, so I responded that I wanted written documentation from them about this charge, as well as the legal address of Discover and I received an email stating that I was to ignore the previous email that there would be no charge. Well a couple of days later the charge was till there, I contacted Discover 's Customer Service, and was basically treated horrendously, I asked for the legal address and documentation to be sent to me, the woman was rude and hostile, basically telling me we don't disclose that information. Why this my seem petty to be haggling over {$30.00}, but this is a prime example of a large corporation ripping off a working person, and after the nasty conversation with their XXXX XXXX, as well as the confusing emails, I have decided to take a stand.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Management Services, Inc. (CA)

in 1992 without insurance I visited XXXX XXXX XXXX XXXX and was sent to XXXX XXXX XXXX for suspicion of having XXXX I was later discharged and a couple months later contacted by a collection agency in XXXX I then worked with the agent and visited his office and him every other week and I paid off my debt now the company is contacting me 30 years later saying they have no record of this and I no longer have Financial records from that time ago and it's my understanding that it no longer legal to collect a debt of this age they keep on accessing my credit report filing hard inquiries which has a negative impact on my credit report and I just want them to go away
Consumer complaint received 2023-02-06
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. (MO)

A recent entry in on my report is fraudelent and must be removed. My social was used to obtain gas services in XXXX XXXX. A place I've never lived in my entire life.