davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. XXXX XXXX XXXXXXXX. {$6800.00} Acct # XXXX
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NH)

In XXXX of XXXX we paid off the balance on our Hyundai Finance loan for a car purchased in XXXX. In XX/XX/XXXX, due to a failed automatic payment from our bank, we paid an additional {$700.00} to Hyundai Finance. We contacted Hyundai in late XXXX to inform them of the problem. We were told a check would be sent to us and to expect it in up to 3 weeks. The check never arrived and we called Hyundai again the week of XX/XX/XXXX to indicate the check had not been received. The new agents seemed to indicate no check had ever been sent. Hyundai now insists a check has been sent to us, but as of XX/XX/XXXX, no check has been received.
Consumer complaint received 2022-01-26
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. (CA)

I specifically signed up for the Marriott XXXX credit Card with Chase for the advertised offer. The offer was spend {$3000.00} in 3 months and receive free XXXX nights worth XXXX points a night or XXXX total points. When I received the card, I had to spend {$5000.00} in 3 months and only receive XXXX points. I called to have them honor offer and spoke with their Supervisor XXXX. She advised there was nothing she could do since the card was opened with the offer shown.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

XX/XX/year> Elan Credit card limit which was only {$300.00} Was by passed by Credit card company without my permission to an amount of {$1000.00} I told them for the last XXXX months before to stop charging my card without my permission. I sent them {$500.00} and told them I'm done, paid in full close the account please ; they refuse to acknowledge what I sent. And are charging it to collections and still adding to bill? I already shredded the card and they are still adding to this bill.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I believe my house has appreciated enough to get my PMI removed from my mortgage. I called Wells Fargo home mortgage customer service and asked if I needed to go through a designated appraiser of theirs to get an appraisal on my house. The customer service rep said no. I then went and got an appraisal on my house. I called customer service again and asked about next steps now that I had an appraisal on my house. This customer service rep gave me an email to get in touch with the PMI team. When I reached out to the PMI team, it turns out they have designated appraisers and BPOs that you're supposed to work with when getting an appraisal, so the first customer service rep gave me completely wrong information, causing me to waste {$350.00} on an appraisal that could not be used. Also, both customer service reps were pressuring me to refinance, when I was clear that's not what I was calling for. Wells Fargo 's mistake caused me to waste money, and I am am extremely upset about this. 

XX/XX/XXXX : Initially contacted Wells Fargo customer service about PMI removal XX/XX/XXXX : Got appraisal XX/XX/XXXX : Contacted Wells Fargo customer service for the second time XX/XX/XXXX : Contacted PMI team Week of XX/XX/XXXX : Got a letter from the PMI team telling us we needed to use their designated appraisers or BPO to move forward
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

On XX/XX/2021, I entered into a settlement agreement with Credence to settle an XXXX XXXX XXXX XXXX debt by 50 %. The agreement consisted of 6 monthly payments of {$210.00} to auto draft. After 5 consecutive payments, the 6th was scheduled to draft on XX/XX/2021. After contacting Credence, speaking with XXXX, a manager with them, he advised me that yes we had an agreement and that I have fulfilled the agreement as promise, however he could not take my final payment and XXXX the account as settled in full, due to them not handling my account any longer. This company entered into a written and verbal agreement to settle the debt but then lied to me about settling the debt in full. Upon asking for a refund on the payments they kept, they instructed me to call XXXX XXXX XXXX even though my payments were made to them. After calling XXXX XXXX XXXX, they ensured me that they were not aware of any arrangements made on their behalf by Credence and could not assist me, only if I would pay the debt in full. No settlements would be offered by XXXX XXXX XXXX. Credence took advantage of me by promising an early settlement but could not honor it and kept the payments I had paid them and/or any income paid from other sources, such as XXXX XXXX XXXX.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/23. XXXX was stolen from my cash app account.. while attempting to send my son money. I have tried to get my bank to help. I have contacted the Department of consumer affairs. Im hoping to get help in this matter. Im attaching a document. 

Thank you, XXXX, XXXX
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

Ive been recently fighting with CASH APP TO GET MY MONEY BACK!! 
My name is XXXX XXXX and my cash app is XXXX XXXX They keep declining my case and I reopened it XXXX times already lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use XXXX of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXX nc XXXX then it powered off XXXX min later couldnt track it so I filed a police report and now its been XXXX days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc. (CA)

I hope you are the proper place to investigate squareXXXX credit card services. I signed up for this company over a year ago. This company I just did my first transaction with them probably two months ago. This company has told me in the very first time that my money would be released to me then when I go to get my money released through their services, they tell me they need more questions. I asked the lady before I got off the phone, is there anything else you need? She assured me they had everything then they come with 15 questions later asking me do I know the person but thats not even the biggest problem the biggest problem that I want to have investigated is that theyre asking me for three months statements of my bank account. Now, what do they need to know what I am doing for the last three months just to receive my money I am asking you to investigate or to refer me to who investigates this company because they are a Unlawful and Wrongdoings on looking at peoples bank statements that are not concerning their company, I have never experienced anything like this with a credit card company before this is very suspicious to me.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In 2020 I purchased a new car through XXXX XXXX XXXX. 2 weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that XXXX XXXX listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with Experian and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (CA)

Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. 
ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX  XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

Under the Fair Credit Reporting Act 15 USC 1681a under exclusion b, anything that was extended or authorized from a credit card should be excluded from a consumer report.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (MD)

On XX/XX/2021 I received and email from : Southwest Recovery Services XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Stating that they were collecting a debt. That I owed them {$600.00}. 

I responded immediately that I didnt recognize the debt and to provide verification of what its for and how did they arrive at the amount of the debt. 

Shortly after this company place XXXX separate accounts on my credit report. 

I filed requests for investigation with the credit bureaus. In XX/XX/2021, the bureaus just closed the investigation saying the company verified the collection. I still havent received any documentation of these accounts. I dont know how/what information was verified or how. I know there is no way that I owe both of these collections without recall.
Consumer complaint received 2022-01-26
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. (PA)

It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

In 2020 I purchased a new car through Kia Motors Finance. XXXX weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that Kia Finance listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with XXXX and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.
Consumer complaint received 2021-03-09
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. (TN)

on XX/XX/21 I sent a letter regarding Violations for unauthorized items/accounts on my consumer report. Pursuant 15 USC 1681a ( 2 ) Permissiabe Purpose of Consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am deeply disturbed by these fraudulent acts and I am demanding these items be removed from my consumer report immediately. or I will be seeking litigation. theses fraudulent violations have caused me to go in distress and I demand they be removed promptly.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

I noticed outstanding debts on my credit report and immediately contacted the company. I wanted to get a statement, and to pay the debt online. The agent refused to give me the information to get into the account online and repeatedly tried to bully me into paying the debt over the phone without a statement.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (FL)

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card to pay for XXXX which was refunded to me by XXXX when we got robbed, I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls using my US phone which cost me a lot of money with roaming and I also called using a local number. I spoke with a gentleman that told me that this will get resolved and till now they have not sent me any documents and no refunds, and all the calls I made was to let them know about the situation, I spoke with at least 7 agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I will attach every document pertinent to my dispute and as soon as I got back in the country I went to the local branch to pick up my debit card that was stolen because they never even sent me one at my house. However, the branch manager was so nice and she told me if I didn't get this result asap come to her.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (RI)

I called TD Bank retail services to explain to them my issues with financial hardship. I asked them if they could please work with me and they offered me the run around. Claiming that if I explained my issue to Raymour and Flanagan then they could help.

I knew that didnt make any sense but I figure I would try.

Of course XXXX XXXX XXXX  sent me back to them. Now theyre telling me that even if I cant pay that its my fault for signing up for a contract that I couldnt stick to. 

I said my contract is 3 years long, were in the middle of a pandemic-things happen. 
Then she said that there are no programs for hardship. 

How is it that a major bank like TD has nothing for hardship? Without their consumers they are nothing yet they wont work with us. 

Please help me before they report me to the credit bureaus.