davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (MI)

In XX/XX/2016 I obtained a leased vehicle from XXXX XXXX for a XXXX XXXX XXXX and I was told that I had unlimited mileage at the end of my lease that was paid off. I then in turned got truck and there was no financial advice on getting into this vehicle and now this has left me with a {$20000.00} mileage overage which has damaged my credit. bringing my credit score down from a XXXX to low 500 's. I am now in distress over this. I have never been late on any payments my credit to shambles. I called the company Chrysler Financial and complained to them as well as the Dealership. The salesmen told me it's on you now. This is very frustrating, I am suffering financially now due to this event. I also want them to reimburse for the interest charges as well as the damages to my character. My credit is in shambles.
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I HAVE BEEN GOING BACK FORTH WITH THIS EQUIFAX, XXXX, AND XXXX XXXX. THEY HAVE NOT GIVEN ANT VERIIFACTION. I SPOKE WITH THEM ON THE ON THE PHONE TODAY. THEY HAVE MADE AN ERROR AND WAS NOT GON NA CORRECT IT. IF I WOULD HAVE NOT SAID ANYTHING.
Consumer complaint received 2019-10-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Consumer complaint received 2019-10-04
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. (MO)

Experian is reporting 3 different 30 day late payments on my Credit report. I have paid thousands of payments on time because they are all set up on automatic bank draft. These three accounts were all paid on time and are reflected as so on the other credit bureaus except Experian. I sent letters but they come back " Verified '' I do not know how something can be Verified when it is incorrect? I have over 16 years of perfect payment history on my Credit reports and these three errors are causing me great distress. 
XXXX/XXXX XXXX shows a XX/XX/XXXX 30 days late. 
XXXX XXXX shows a XX/XX/XXXX 30 days late and XXXX XXXX*** shows a XX/XX/XXXX 30 day late.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had reestablish a realtionship with Bank of America I had two checking and a saving I always made sure my accounts were balance of started working for realtor name XXXX XXXX as a transaction coordinator and the clients would pay through XXXX because I did not want to give out my account information. all transactions were put on hold for two weeks or more to make sure they cleared beg anything I did not do anything wrong the funds were released to me shortly after funds were released my account was closed telling me it was internal decision it was wrong I called they could not tel me  what i did wrong i waited for a letter no letter explaining all I was told that the bank can close my account if they want too but I did nothing wrong the fraud department held every deposit for two weeks or more investigated and release them to me I did nothing wrong and my account is closed totally un fair no justice
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I began using Capital One Shopping months ago and had earned many rewards which were about to be able to be redeemed for cash ( gift cards ) when suddenly FOR NO REASON my account was suspended. Its a shopping engine, for goodness sake! I particularly love that they give you no explanation for the suspension whatsoever. 

Apparently this has happened to multiple people. Once they are able to redeem for rewards suddenly they suspend your account. What a sham!! 

I emailed today ( XX/XX/23 ) advising them I had done nothing to warrant an account suspension and was basically told they can suspend anyones account at anytime they want to ( email attached ) with NO explanation as to why it was suspended ( legitimate suspensions warrant explanation ). 

They get a 1.5 out of 5 on XXXX XXXX. Wonder why!!
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I received unwanted debt collection calls ( robocalls- ( XXXX ) XXXX ) from Citi in the first week of XX/XX/2019. 

Transcript : Hello this is Citibank calling with important account information on your Citi Bank Card but I'm going to read it is by no you open a minute to XXXX read and if this is XXXX XXXX   XXXX press one should you be disconnected at any time during this call we can be reached toll free XXXX if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I'm going to read it is by no you open a minute to XXXX XXXX and if this is XXXX XXXX  XXXX Press one if not Frist to please make your selection now I'm sorry I did not understand that response please try again but I got. 
( https : XXXX ) On XX/XX/2019, I spoke to a Citi credit card customer service agent. He confirmed that Citi sent out automated calls to remind customers ' of payments. 

I have not given Citi permission to call, and I have asked to be removed from your list. TCPA law prohibits telemarketers, banks, debt collectors and other companies from using robocalls to call you on your cell phone. Companies that violate the TCPA can face lawsuits and other penalties. Violations of the TCPA include : Robocalls to cellphones Telemarketers and solicitors can not call your cell phone using automated pre-recorded messages or robocalls. 

I'm sending this letter to stop receiving future robocalls from Citi.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

For XXXX I purchased 4 {$50.00}. Gift cards from my local XXXX store. 
None of the recipients told me until.XXXX  that the cards were not loaded I've been fighting with them for refunding all 4 cards.

Twice they have sent me 1 single card for {$50.00} ( they also have a XXXX balance. 
Several times I have submitted all documents they need.
Consumer complaint received 2019-09-30
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: LEXISNEXIS (WA)

LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO. XXXX ON MY PERSONAL CREDIT FILE WITH THEIR COMPANY IN ERROR AND I HAVE DISPUTED SINCE XX/XX/2017. SEE ATTACHED. 

I WAS A VICTIM OF IDENTITY THEFT AND HAD SUPPLIED THEM WITH THE FULL POLICE REPORT AND THE LETTER THAT WAS RECEIVED DIRECTLY FROM THE BANKRUPTCY COURT SHOWING THAT THIS WAS NOT MY BANKRUPTCY. THEY REFUSED TO DELETE THE BK, AND ARE NOW IN VIOLATION OF SEVERAL FEDERAL LAWS.
Consumer complaint received 2019-09-30
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. (TN)

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Equifax, XXXX, XXXX ) deleted the account and then placed it back on ). ( Equifax, XXXX, XXXX ) has failed to remove block and deleted  information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX  with XXXX, XXXX and slightly low in TransUnion like XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than 55 pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than 50 points over night. How is that done?
Consumer complaint received 2019-10-04
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

My mortgage was transferred from XXXX XXXX to Newrez last year XXXX. NewRez sent a letter via USPS in reference to the XXXX XXXX XXXX XXXX XXXX. I replied to the letter numerous times and via different methods of communication. I sent a detailed message to the Customer Service via their website. I sent copies of the Condos master policy flood insurance policy numerous times to : XXXX. In additIon I sent hard copies via the USMail. NewRez purchased additonal insurance despite the fact it was not needed. New Rez changed my mortgage payment each month since XX/XX/XXXX. 
My fixed loan payment amount is {$1100.00}. I was billed {$1200.00} in XX/XX/XXXX, and {$1200.00} in XX/XX/XXXX. I am attaching a letter stating the insurance was cancelled. In fact, my XXXX payment is {$1200.00}. NewRez has ignored all of my information provided. I have a fixed mortgage payment and have paid it monthly with no issue until New Rez acquired. The business practices are questionable and no matter how many times or ways I habe contacted them nothing has been resolved. I am a XXXX and can not afford for Newrez to keep changing my monthly fixed rate.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (MO)

Equifax is reporting three accounts with 30 day late comments. All my accounts are paid through auto bank draft before the due dates. I have thousands of payments all made on time because I use this method of paying my bills. I requested they correct these accounts to be marked " paid as agreed '' never late but they have not corrected the issue. 

XXXX XXXX XXXX shows a XX/XX/XXXX 30 days late XXXX XXXX*** shows a XX/XX/XXXX 30 day late and XXXX/ XXXX  shows a XX/XX/XXXX 30 days late. 

All these accounts were paid on time like everything else on my credit file.
Consumer complaint received 2019-10-04
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. (TX)

data breach we would like the company to check into with XXXX XXXX   and Equifax caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra
Consumer complaint received 2019-10-03
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. (IN)

I have trying to resolve the matters with multiple inquiries and accounts that hit my account a couple of months ago. Equifax is slowly dragging their feet with three accounts : 1 ). XXXX XXXX ( {$1500.00} ) Charge Account, I reached out to this company on  multiple occasions, they did eventually close the account in XXXX, but not before having multiple unpleasant conversations with them, given the run around and to top it off, they added of late payments to my credit file. I am in Indiana, They are located in XXXX, Texas, with 1.2 stars and a D+ grade with the XXXX ; I have never heard of this company. 

2 ). XXXX XXXX {$500.00}. I have also disputed this item as well. They are reporting this account as late on my credit report. 

3.XXXX XXXX {$500.00}. This account keeps going from negative to positive. I have no clue as to what is going on. I will not be bullied into keeping and paying for theses two measley accounts that I never applied for. 

I am not sure if I am my name has merged with someone else 's. I did see on my credit file that my name was misspelled as XXXX XXXX. My name is spelled XXXX. 

Other than this issue. I am just waiting for XXXX  to remove inquiries and Equifax to fix the issue with these accounts and inquiries.
Consumer complaint received 2019-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have been horribly mistreated by SallieMae, followed up by the same treatment from Navient, so I will never talk too them again. This company was aware of my XXXX XXXX XXXX when my private loans were taken out, because I told them about it, after I graduated and had a major relapse and can never work, they act surprised, and completely unwilling too help me at all.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bright Capital Inc (MD)

I started using Bright Money app a few months ago, and they were pulling funds from my checking account and putting it into a " Rainy Day fund '' account with XXXX. 
I noticed a lot of XXXX withdrawals a few months back and those XXXX withdrawals caused my checking account to overdraft. I ended up having to get a whole new account with my bank, and then when I went back into Bright to withdrawal the XXXX I had in the rainy day fund into my new checking account it has been nothing but a headache since XX/XX/XXXX. They claim since it was a different account then what I initially set up, they would need me to send my checking routing, acct number, picture of my photo ID and a bank statement proving it was my account, which I did on XX/XX/XXXX. 

They ASSURED me that it would be taken care of in XXXX business days, which to the current moment, I have still nt received it and I told them last week that if it was not in my account by today that I will be looking into reporting them and possibly seeking legal action. 

I did not even feel comfortable sending them all that information. It feels very scammy.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westcreek Financial (TN)

Received a collection call at XXXX XXXX central this morning, XX/XX/2019. 

This company also calls me at least times a day, sometimes 5. It's getting out of hand. STOP IT!!!!!
Consumer complaint received 2018-09-04
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 — Investigation took more than 30 days
Company: CAVALRY INVESTMENTS, LLC (IL)

I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (TX)

What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and XXXX XXXX, XXXX, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX XXXX XXXX. This company bought my debt from Wells Fargo. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with Wells Fargo but XXXX XXXX XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the company who either bought my debt or a collection agency and Wells Fargo, the original debtor.
Consumer complaint received 2019-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

data breach we would like the company to check into with capital one and XXXX  caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra
Consumer complaint received 2019-09-29
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. (CO)

I have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on it.
Consumer complaint received 2019-09-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There is a card reporting on my XXXX credit report for Bank Of America in the amount of {$9300.00}. I have NEVER applied for a Bank of America Card. I've told Bank Of America, XXXX   and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both Bank Of America, XXXX and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.