davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (MN)

Equifax no Im not happy I need to know who removed XXXX account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
Consumer complaint received 2019-11-18
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

XX/XX/2018 - I requested a transfer of {$3000.00}. from BarclayCard to my XXXX card. 
XX/XX/2018 - Barclay says they transferred the money. 
This money never appeared in my account. I began calling Barclay and texting them through my on-line account. This has gone on for 16 months now with no resolution. XXXX says they never received the money. It took me one year to get Barclay to send me a copy of their transfer sheet. I immediately saw that it was sent to the wrong account number and have been trying to explain that to them for the last four months. I have contacted Barclay approximately 150-200 times since XX/XX/2018 with no resolution in sight. I have records of each call and each " case # '' they say they opened. The last call I had was with a woman who said she was a supervisor and told me XXXX was to confirm that I had never had this money put in my account and she would respond to me with in 48 hours as soon as she received this from XXXX. NO ONE FROM BARCLAYCARD, USA HAS EVER CALLED ME BACK FROM ANY ONE OF MY INQUIRIES SINCE XXXX XXXX. 
PLEASE HELP ME.
Consumer complaint received 2024-03-22
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: CITIBANK, N.A. (NH)

I was informed I had a 90 day notice on my credit report. In researching with Citi I show no accounts in the app or web. I initiated a chat as I received an email about a late payment for a closed account. When clicking the link it brings me to the same page with open accounts but doesnt show the account in question. Apparently I have an old balance which I was unaware of. I have late fees and interest charges which they couldnt waive and told me I should use alerts auto pay or the app, all of which were not options. They have to mail me statements because I dont know if charges are valid and statements are not online. 
I feel they have been deceptive in taking away visibility into a closed account charging fees with no way of knowing. This impacted my report by XXXX pts.
Consumer complaint received 2022-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (ME)

We financed a rental property through a company called XXXX XXXX XXXX. They sold the loan and it is now serviced by Fay Servicing. Although Fay has been escrowing estimated taxes each month, they did not pay the property tax bill and we have now been threatened with a lien on the property from the city of XXXX, XXXX. Despite alerting them to this issue 10 days ago, no payment has been made. I re-alerted them today. 

Fay Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-26
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} 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
Consumer complaint received 2018-10-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

The XXXX XXXX has filed an eviction reason because I called code enforcement they came out hit the company with almost 9000 in fines so for them not to pay it they had my family and I kicked out sold it to their friends cheaper once the title was in their friends name it was no longer their response ability they refused my money so I didnt know to do never been in that kind of situation
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I am filing this complaint for myself, a consumer & natural person without any help of a third party. This complaint is about Santander Consumer USA, the bank that provided my loan for a used XXXX XXXX XXXX vehicle that I purchased from XXXX on XX/XX/XXXX. This loan which was for the total of {$29000.00} ( finance charge ), {$31000.00} ( amount financed ), {$61000.00} ( total of payments ) & finally {$62000.00} ( total sale price : total cost of my purchase on credit plus my {$900.00} cash down payment ) for 72 months, per my original contract, in which I traded in a vehicle ( given {$5000.00} for it ) as well. I want to get straight to the point, I am furious because Ive paid this car off as of XX/XX/XXXX which was my loan maturity date after 76 months, due to 4 payments being deferred over the 6 year period ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX ). So now per multiple Santander representatives XXXX # XXXX, XXXX # XXXX, & XXXX # XXXX they are stating that I owe a total of {$10000.00} which is an accumulation of late fees, ( my XX/XX/XXXX credit report received from XXXX shows NO LATE PAYMENTS ) and interest fees of the late fees. Now this seemed ridiculous to me so I began to start doing some research on Santander and found immediately on the CFPB website that there were a tremendous amount of complaints of Santander violating consumer rights, providing erroneous car loans to consumers over the years and also even settling with the CFPB to pay in excess of $ XXXX dollars in penalties.
Consumer complaint received 2019-03-22
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. (CA)

I spoke with XXXX in XX/XX/XXXX and XX/XX/XXXX 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XX/XX/XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc. (IL)

In XXXX I rented an apartment from ( XXXX ) Everything went according to plan and ended on good terms. We did a final walk through with no problem. Years later I receive a collection letter in the mail from finance systems. In the amount of {$770.00} XXXX XXXX XXXX XXXX in XXXX XXXX XXXX had already taken my security deposit of {$500.00} and never stated why. 

Now Finance systems keeps destroying my credit for a charge in collections over 6 years ago that I know nothing about! 

Ive already gotten it removed on XXXX and XXXX. Now need it removed on XXXX  ASAP!
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I am not aware of this company, I do not know the debt or what it actually is and why they are trying to collect from me. This company has 2 collections on my account witch is ridiculous I disputed last year and did not realize until now when I am trying to lease me apartment that the dispute was denied and they have now increased the collection and there are 2 collections on my credit for this witch really makes no sense. I have no communications of any company trying to contact me within the last decade ( 10 years ) regarding any funds or anything that I owe. Witch is much like the other collections on my account. I need this looked into as soon as possible because I will keep dispute every single year until these fraudulent collections are removed from my credit.
Consumer complaint received 2022-02-18
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: AMERICAN EXPRESS COMPANY (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, Florida. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/18 i contacted wells fargos regarding a credit line increase on one of my cards i have with the limit was set at {$600.00} already. i asked for an increase of {$10000.00}. this card i had for 3 years on the account no missed payments aways on time. instead i got an increase of {$200.00} dollars.i dont nothing on my credit report that would not grant my request
Consumer complaint received 2022-08-26
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. (CT)

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 2020-07-28
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IN)

In approximately XX/XX/XXXX, I received a notification from the CRA showing that Jefferson Capital Systems LLC had unlawfully reported a supposed debt to my consumer reports. 

Under the new regulation, REGULATION F, which came into effect on XX/XX/XXXX, Jefferson Capital Systems LLC has violated the FDCPA 1006.30a and its new rule by placing this alleged debt on my consumer reports. 

Around XX/XX/XXXX, I contacted Jefferson Capital Systems LLC and spoke with a supervisor named XXXX on a recorded line. During the conversation, I informed XXXX that I had not received any prior correspondence from his company regarding the alleged debt before it was reported to my consumer reports. Furthermore, I stated that I would not pay the alleged debt without Jefferson Capital Systems LLC providing proof that I am legally responsible for it and that it indeed belongs to me. I requested XXXX and his company ( Jefferson Capital Systems LLC ) to cease all collections activities related to this alleged debt and promptly remove it from all consumer reporting agencies where they have reported this inaccurate, incomplete, erroneous, and misleading information. However, he refused my request. 

I subsequently sent Jefferson Capital Systems LLC a cease and desist notice dated XX/XX/XXXX. ( Please refer to the attached document ).
Consumer complaint received 2024-03-22
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Spring Oaks Capital, LLC (PA)

XXXX XXXX put it on my XXXX XXXX XXXX XXXX since then it been removed. Before they removed it they gave it to spring oaks capital LLC on XXXX for the amount of XXXX. I have asked for a final bill from the crediter and they said they do not have to validate it.
Consumer complaint received 2022-02-18
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. (OK)

Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and XXXX XXXXXXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was XXXX because of this! I'm XXXX financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my Experian, XXXX and XXXX credit reports asap!
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (CA)

The medical institution is Code 3 ER which closed during the pandemic. I have filed multiple complaints with the XXXX ( if you look at the XXXX website for this organization you will see multiple complaints just like mine ) and other organizations, like the local state departments where it was located in XXXX, because there was no phone number, email, social media account, or way to contact the company about anything and I was on a payment plan which I have proof of but there was no way to get an updated statement. Then Cascade Receivables Management LLC sent me a letter XX/XX/XXXX so I sent a dispute letter certified mail within days of receiving that letter. I then saw on my credit report that a XXXX XXXX XXXX reported it on my XXXX credit report XX/XX/XXXX. They had reported it to the credit bureau before it was validated which I read was against the Fair Reporting Act and I heard no response to my dispute letter. I just now ( XX/XX/XXXX ) received a bill statement from Cascade Receivables Management LLC that is a different amount then the amount on my credit report.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ACI Worldwide, Corp. (OK)

STORING ACH DATA IN PORTAL AT XXXX XXXX XXXX ON LINE PAYMENT AND CAN NOT REMOVE STORED DDA AND WAS 4 TIMES {$620.00} OR {$2500.00}. XXXX IS REFUSAING TO REMOVE ALL STORED ACCOUNT. XXXX XXXX, LOAN # XXXX. CHARGE BACK LOAN AND REFUND {$2500.00} PLUS OVER DRAFT {$300.00}. ( XXXX XXXX ERRORS.
Consumer complaint received 2020-07-28
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. (AR)

THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

I have been disputing a medical collection with Financial credit network for several months now that is not mine and i believe its due to my identity being used by someone other than myself. XXXX and XXXX  has removed the account from my credit file but XXXX is still reporting it and keeps sending me notices saying its verified.
Consumer complaint received 2018-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America excessive charges for consumer accounts During XX/XX/XXXX BOA charged my account for about {$560.00}, and while writing this complaint I have been charged in XX/XX/XXXX till now for {$310.00} I called the bank inquiring about those charges, having in mind that I'm a customer since XX/XX/XXXX, and I have not seen this hike in fees before. I explained to the people on the call that during the early days, I can see that my account going under XXXX, and I have the option to put money in the account to cover it before the end of the day. Recently, I have seen a change in behavior, on which I check my account in the evening, and in the morning, they already overdrafted it with charges. 

I expressed to the bank that : 1. I'm not an accountant and they treat my account like I should be having books created for it. 
2. This is a new change that I'm seeing recently, and it has not been this way before. 
3. I have a feeling that the bank changed/updated its system to narrow the window that we as a consumer have to correct mistakes. 
4. The existing alert systems that the bank provide is useless as I'm receiving the alert AFTER the bank charged my account with fees.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I Demand to remove the following accounts immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (AR)

THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT AS SOON AS POSSIBLE.