davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Consumer complaint received 2020-10-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX  XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My purse was stolen which had my credit cards, license, social security number, birth certificate, cash, and cellphone. My debit card was then used at XXXX for a {$260.00} transaction that I reported to Wells Fargo. They denied my claim. I have tried to call and email to resolve this claim but they are not listening. All Im asking is the {$260.00} be credited back into my account. All of my personal information was stolen and when the people who used my card replied via text that it was me making the transaction it was not. I have filed a police report and requested a new S.S card and drivers license.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my XXXX 

I demand the late payment reported on those accounts to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CAPITAL ONE, ELAN FIN, COBALT JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A THREE YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I will use care how I word this letter to prevent any misunderstanding. 
The Capital One credit cards were mine. The credit cards were stolen. There were unauthorized purchases and unauthorized payments that Capital One allowed so the credit limit could be exceeded. I have previously sent a XX/XX/2017 sheriff 's report and FTC identity theft reports. I will notarize this complaint if required. I do not understand and I have not received an explanation why Capital One refuses to acknowledge my repeated claim of card theft and identity theft. 
Cards were stolen first of XX/XX/2017 with all unauthorized charges. 
At the end of XXXX and first of XX/XX/2017, the thief made bogus payments of {$2200.00} & {$3300.00} on card ending in XXXX and both were insufficient. I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web, and explanation of charges. I have been repeatedly denied. The following month, the thief made another bogus payment of {$4800.00}. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
At the end of XXXX and first of XX/XX/2017, the thief also made bogus payments of {$2100.00} & {$3100.00} on card ending in XXXX and both were insufficient. Why odd amounts? I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web. I have been repeatedly denied. The following month, the thief made more bogus payments of {$99.00}, {$190.00}, {$99.00}, and {$4500.00} and all were insufficient. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
Capital One needs to research the charges and will realize the theft. Payments were made to XXXX XXXX XXXX XXXX. Please send name of the person who was on probation.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Please to attached files. 
Files include ... 
Letter to you ( CFPB ) as to our issue with Loan Care Our many correspondence with Loan Care Letters from Loan Care informing us they are working on a resolution they have been telling us since XX/XX/2019. 
Proof from our credit union ( XXXX XXXX XXXX XXXX ) that the payment was made and they received the funds.
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

Per the CARES ACT I am entitled to a 12-month forbearance on my XXXX XXXX owned loan which is serviced by Amerihome Mortgage. I have been granted an initial 6-month forbearance which is scheduled to expire on XX/XX/2020. I have requested an additional 6-month extension but this was denied by Amerihome. 

Instead of granting the extension, Amerihome has XXXX my access to certain parts of my account on their website and sent me this false statement saying i need to get the loan current immediately. I did not request to get the loan current just yet, i requested an extension. This servicer is intimidating me, they never pickup the phone when you call and they do not respond to mailed requests for information. See attached false statement/letter from Amerihome.
Consumer complaint received 2020-10-01
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 sent dispute letters to XXXX  back in XXXX and the report came back that it was reported correct. But XXXX XXXX corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.
Consumer complaint received 2020-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (ID)

Bonneville Collection stated they called when they didnt and left voicemails which they did not and they stated they sent a letter on the XXXX of XXXX after a missed payment of XXXX $ on a debt that was down to about XXXX $ at the time of the XXXX of XXXX which was never received they then filed with the courts on the XXXX of XXXX. Because of a filing fee and lawyer its now XXXX . When I noticed I hadnt had the money taken out they stated that legal proceedings were already being taken and were quite rude. They said they could serve me at work and wanted to know where I worked and when I made more payment arrangements with the lawyer started calling me at work.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

Subject : Complaint Regarding Violation of Consumer Rights by Self Financial Bank To whom this may concern, I am writing to file a formal complaint against Self Financial Bank for the violation of my consumer rights. I believe the bank has unlawfully reported my transaction history without my consent, which is a clear infringement of my rights as a consumer under the relevant statutes. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604, it is explicitly illegal for any entity to furnish consumer reports to any consumer reporting agency without the individual 's consent. Moreover, under the Electronic Fund Transfer Act ( EFTA ) Section 908, financial institutions are required to obtain a consumer 's consent before disclosing their transaction history to any third party. 

Despite these clear legal mandates, Self Financial Bank has neglected to secure my consent before reporting my transaction history, which is a direct violation of both FCRA and EFTA regulations.

I demand that Self Financial Bank rectify this issue immediately by updating my account status to " PAID AS AGREED '' and cease any further unauthorized reporting of my transaction history to any consumer reporting agencies. 

Please investigate this matter thoroughly and take appropriate action against Self Financial Bank to ensure that they comply with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX ' XXXX XXXX
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased a XXXX  XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX  ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now  and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

In XXXX I joined a XXXX of a gym called XXXX in XXXX XXXX. It was infested with XXXX XXXX, XXXX, shady people and the equipment was 50 years old. I called and told them to cancel my trial membership and they agreed. 2 years later a collection item appeared. I had it removed when I explained what happened and threatened legal action. That was in XXXX. It was removed. Now, 3 years later during a pandemic and unemployment, a credit application i made was rejected. I obtained a copy of my credit report to understand why and I saw this bogus correction item. It's fraud. It's unreal. Bottom feeders literally ruined my financial standing, in a pandemic struggling with unemployment, I'm XXXX dollars behind on XXXX rent, chasing a quick buck. 

Remove it now. It's now mine!!! And I'm going to sue you for this garbage too. Enough!!!
Consumer complaint received 2020-10-01
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: ACIMA CREDIT, LLC (GA)

XX/XX/20 was contact by acima credit said pay {$610.00} and they would settle account and have remove from credit they didnt do it And instead reporting as {$170.00} charged off but account legally paid in full which is still causing to show like I owe them money and is in a negative state I spoke with them several times was hung up on or told they have no control over this but like I told the lady you ( acima ) are the ones sending in report also I was told this would be remover from my credit like I told her check your records and recordings because this is what I was told
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (PA)

I opened my account with Santander on XX/XX/2023, I made the enrollment online banking process successfully, I was able to access to the online banking trough the app. But now I cant access trough the webpage on my computer. Im using the same ID and password.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CT)

I received a XXXX bill form Target XXXX XXXX. I paid the bill and my bank paid them onXX/XX/XXXX. I tried to use my card and it was declined. I called Target XXXX XXXX and they said they did not receive the payment that was taken out of my bank account by Target. 

I called my bank and have incurred a {$28.00} charge to send Target a copy of the check that they cashed. This whole dispute is for {$38.00}, I pay my bill early every month. Instead of admitting the mistake..I had had to make numerous calls and been told at least another 10 days. They have hit my credit report for {$38.00}. This whole thing is absurd. However as they took my money this is fraud and it must be addresed.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (SC)

I am emailing you for assistance with a transaction that I would like to dispute. I recently tried to place an order on XXXX using a buy now pay later app, XXXX. The app allows you to break the total cost of your purchases down into 4 smaller payments. I placed an order for a total of {$180.00} on XX/XX/year>, which the XXXX XXXX agreed to split in to 4 payments of {$54.00}. The first installment for {$54.00} was immediately charged to my debit card account. The funds were withdrawn and the payment was posted on XX/XX/XXXX. However, I received an email from XXXX on the XXXX stating that my payment method had been declined. The order was later cancelled. 

I expected the pending charge of {$54.00} to be credited back to my account after a few days of processing, but I can see on my Truist account ledger that the payment has indeed posted. When I reached out to XXXX customer support for assistance, they were unable to locate the order or provide any assistance in processing a refund. I contacted the merchant, XXXX, and they refuse to process the refund because they claim that they never received any money from XXXX for the order. My bank has refused to dispute this transaction or return the funds, because they say I authorized the payment. I did indeed authorize the payment, but as the goods were never received, I should be entitled for reimbursement. 

I have enclosed screenshots so that you can see that there is no pending order on my XXXX account from my XX/XX/XXXX order totaling {$180.00}. I have also attached screenshots of the emails from XXXX, and my Truist ledger showing the posted payment. Any assistance you can offer in returning the funds to me is appreciated. I do not want to pay for items that I will never receive. Thanks for your help.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX, plus this account is incomplete, inaccurate, and missing data. I do not have a contract with Resurgent Capital Services or Lvnv Funding, they did not provide me with the original contract as i requested. This directly violates my rights according to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1692e, and UCC 9-210 at the least.