davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I went XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to conduct a consumer credit transaction for a vehicle. I ended up being told I could only get a XXXX XXXX XXXX XXXXXXXX XXXX. XXXX5 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge should have been my only obligation owed for the XXXX XXXX. The finance charge came up to {$12000.00}. During the course me fulfilling my obligation to the loan holder Santander Consumer I fell upon hard times. I fell behind on payments and was unable to catch up. Even though i paid the finance charge plus more on XX/XX/XXXX my vehicle was repossessed by an unauthorized third party. On XX/XX/XXXX I received a letter from Santander Consumer stating they sold my vehicle and I still owed {$13000.00}.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

A dispute to stop a payment for {$1100.00} was started by me on XX/XX/2018, when a dry cleaner 's accidentally charged me twice. The service was for {$130.00}, but an additional payment of {$1100.00} was requested by mistake, and I contacted Citibank to remedy this. The bank acknowledged the dispute, and credited back the {$1100.00} into my account a few days later. 

Then, a month later, on XX/XX/XXXX, I received a charge of {$1000.00} from Citibank along with a letter stating that " The proof of alternate payment you provided was less than the amount in question '', and when I called them again regarding the letter and the charge, their representative provided no reasons for why the dispute results were reversed, and simply said that they will send another dispute to " fix '' the {$1000.00} charge. No explanations regarding " the lack of alternate payment 's proof '' was given when I asked how there was no proof when the 2 charges in question were clearly recorded in my bank account that they are in charge of. 

Today, a month after my second call in XX/XX/XXXX, I received no updates, no correspondences, and the {$1000.00} charge from Citibank is still present in my account. When I called their dispute center again on XX/XX/XXXX, I was told to wait another 6-9 business days until another update comes through : the exact same thing I heard back in XX/XX/XXXX. 

Based on my experiences and answers that I received from Citibank, the bank has made no attempt to contact the merchant to verify the original mistake, reversed a clear-cut dispute and charged me a {$1000.00} with no explanation, and has made no progress in remedying the situation in almost a month 's time.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I first noticed that on the XX/XX/XXXX that my credit score was updated on two of the three credit bureaus, XXXX  did not adjust ( which is sometimes customary ( as long it is not a low score ) ), my XXXX  score had risen greatly ( no complaint against them ), however, my previous score with Equifax was XXXX, with a good credit standing, but it dropped tremendously about 56 points to XXXX without reason. I contacted an Equifax customer service agent after creating a MyEquifax online account, and the agent was giving me tips on how to improve my credit score by signing up with the only card I have and is in good standing with, after I explained the aforementioned issue ( why did Equifax lower my score whereas the other two had either risen or remained stable ). 

So basically, I am only asking that Equifax not only bring up my score back to XXXX, but also update my score with the recommended points close to or above 700. I only have one major credit card ( XXXX XXXX/MasterCard ) in which I have been paying two or more large payments before the due date the last two months ( from XX/XX/XXXX and in XX/XX/XXXX ), so my question is why did this credit bureau lower the score by 56 points whereas the other two bureaus either heightened or stabilized the score?
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im writing to file a formal complaint against the three major credit bureaus XXXX, XXXX, and TransUnion for violations of consumer protection laws regarding the reporting of late payments on my credit reports. 

Under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies are obligated to provide accurate information. Specifically, section 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information with actual knowledge of errors.

I have discovered inaccuracies in the reporting of late payments on my credit reports, which do not accurately reflect the transactions or experiences between myself and the creditors. These inaccuracies have resulted in negative consequences for my creditworthiness and financial well-being.

Furthermore, according to 15 U.S. Code 1681a, consumer reports do not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, any reporting of late payments must accurately reflect the true nature of these transactions and experiences.

I request that the credit bureaus investigate these inaccuracies and take immediate action to update my credit reports to reflect the accurate status of the accounts. Specifically, I need the late payments to be reversed and updated to reflect that the accounts were paid as agreed.

According to the law, I request that the credit bureaus provide an update on the status of the investigation and make the necessary updates to my credit reports within 15 days of receiving this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Contacted transunion several times about not updating my student loans from deferred to non deferred. They tell me to contact lender I have se real times the last 4 months and le der says and has shown proof of notifying the change. Transunion pretty much calls me A liar and hangs up on me everytime. Half the time you cant understand the people. Why is our government allowing a company outside the united states to monitor Americans credit history?
Consumer complaint received 2018-09-13
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. (NC)

I have a fraud alert on my credit report with XXXX, XXXX, Equifax the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tavelli Co., Inc. dba Tavco Credit Services (OR)

TAVCO CREDIT SERVICES - sent account to collections with no attempt to contact us regarding payment. They claim that legally they were not able to call or sent letters to us because we live in Oregon and the emergency room imaging was done in California ( on XX/XX/XXXX ). Never knew about account until a credit check was ran, and found that this was in collections. Has lowered credit score by 200 point! Immediately called the company and paid the amount due of {$510.00}, paid in full on XX/XX/XXXX. Would like this completely removed from our credit history due to lack of communication from Tavco.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK (MO)

I received a text message stating that Commerce Alerts : You will receive no further messages. Call XXXX for more information. I Immediately called the number and was informed that my account was closed due to no activity on the account for more than 30 day with a XXXX balance. I was aware that I didnt have any activity on the account for a few months but didnt realize that my balance was at XXXX  and was in jeapordy of closing. If I would have received corresponding making me aware that my account was going to close I would have made the neccessqry steps to mainting the account in an active status. The supervisor I spoke with informed me that they dont send out any notices its on the terms and conditions when opening the account but it doesnt sound reasonable. I have had this account since XX/XX/2009 going on 10 years and opening up a new account with new banking information is frustrating. I just want to make to see if this is logical or not.
Consumer complaint received 2019-01-08
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)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NY)

I was XXXX from XX/XX/XXXX thru XX/XX/2018. While XXXX am individual accessed my banking information and atm card with the pin number. He began using my account a if it were his own by claiming MY UNEMPLOYMENT benefits and using my account for the direct deposit. He overdraw my account and spent {$2000.00}. I have gotten nothing back. The banking institution refuses to reimnurseme even though i provided proof of everything they asked for.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX bank XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX Chase emailed me a promotional offer for my XXXX credit card : " you can earn 10X Bonus Points at gas stations and 5X total Bonus Points on XXXX and at grocery stores for every {$1.00} you spend up to {$1500.00} in combined purchases. * '' Pictures of the email are attached.

I clicked the offer to activate it but the confirmation showed another offer, which was not mentioned in the email. 

On XX/XX/XXXX I spent a total of {$1400.00} at XXXX gas station over two transactions. No bonus points were awarded for these purchases, just the standard 1 point per dollar. I contacted Chase through their secure message center and was told I was not eligible for the offer that was emailed to me. They asked for screenshots of the email offer, which I provided. After that, they still did not honor the offer. The last message ( received XX/XX/XXXX ) stated : " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At this point, I decided filing with the Consumer Financial Protections Bureau was my only option.

In my opinion, this is a bait and switch tactic by Chase.
Consumer complaint received 2022-03-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2018-09-13
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: BTH Management (OH)

I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
Consumer complaint received 2019-03-29
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 reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TN)

Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded. 

XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured. 

Member FDIC. 

Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid. 

To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up. 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

checking account XXXX under the name XXXX XXXX   was opened fraudulently and attached to the savings account XXXX with {$50000.00} that was electronically transferred from XXXX XXXX. XXXX XXXX sent out {$50000.00} under my name and social and dob, but bank of America and XXXX XXXX kept my name XXXX XXXX but changed the dob and social and used the address XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX  when I went to Bank of America to bring this to their attention they called the police in front of me, but there is no record from XXXX XXXX police department. I met with XXXX XXXX deputy outside the bank and he told me to go to report this to the XXXX XXXX  Police. I did drive there and arrive at XXXX XXXX XXXX to file report XXXX  with the agency on XX/XX/2018. Since then I went to Bank of America and they still have not disclosed their plans to allow someone else to continue using my name and {$50000.00} in XXXX XXXX, Florida. I have case id XXXX from the past as a reference. Also, BOA sent a letter to my address saying that credit card account number XXXX XXXX XXXX XXXX is reporting correctly on my credit file, but I do not see it anywhere on my credit file. Please tell me what credit file they are referring to?
Consumer complaint received 2019-03-29
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. (GA)

I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Consumer complaint received 2018-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.