davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank Refused to refund stolen money : On XX/XX/2022, I visited my local TD Bank to withdraw funds from my account. When the teller gave me my bank slip, I realized there was a discrepancy in my total account balance and that I was missing {$30000.00}. I immediately contacted the bank and was informed that two ACH transfers transacted the funds out of my account. These transfers were not authorized and were performed without my knowledge. 
On XX/XX/2022, I was refunded {$15000.00} by TD Bank and my account was closed by TD Bank before the remaining {$15000.00} was recovered. A new account was opened by TD Bank, but I have not been informed about what would be done about the remaining {$15000.00} that had been taken from me, or what to expect in terms of communication or a solution. I have called TD Banks XXXX Department several times and have not received a response, or I am transferred around to agents who dont know who to escalate the call to in order to assist me or explain who or what entity transferred the funds from my account. I have also visited my local TD Bank several times where a helpful branch manager informed me that the issue had to be handled by the TD Bank XXXX  department, but TD Bank has been otherwise unresponsive and unhelpful.
Consumer complaint received 2020-06-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I currently have a lease with Chrysler Capital. I decided to pay off the loan early and received payoff amount and sent the check in. It cleared the bank on XX/XX/2020. My automated payment also came out on that date for {$360.00}. I then received notice that I had a {$0.00} payment amount. They continued to take my auto payment out for XXXX and XXXX each for {$360.00}. They now have 3 payment owed to me. I placed a stop payment on my bank account for future payments. I contacted them and they agreed that they owed me the 3 payments totaling {$1100.00}. I then received a debit card refund for one payment with a balance of {$360.00}. I called them a second time and they agreed that they still owed me 2 payments and would put in for the refund. I received nothing. I then contacted them weeks later and the employee said he did not see overpayment and I would need to send bank statements and payment information. I copied all statements involved and faxed them to Chrysler. I have heard nothing since.
Consumer complaint received 2018-02-23
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. (OH)

In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via XXXX XXXX. This is not my account. It was confirmed that this was not my account, but my son 's XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the XXXX that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. XXXX XXXX, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.
Consumer complaint received 2017-05-29
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. (NJ)

Santander Consumer Services  failed to post final payments made on my account accordingly. They have also failed to close the loan accordingly and remove fees that were charged for a reposession in error. It has been since  XXXX  . 2016, th at I have been dealing with Santander in reference to this issue. Santander claimed one of the payments were returned, however proof from my Bank shows that payment did clear the account. I have provided the Bank Statement several times, and they continue to ignore it. Santander claims that they need to see my : '' full bank balance in order to credit the account '' this should be illegal.
Consumer complaint received 2018-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXXXXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have credit cards with XXXX, XXXX, XXXX and XXXX. The practices of Capital One stand out as deceitful and are designed to make money off of the consumer by charging unfair late fees, interest charges and applying payments to go against accounts that have a lower interest rate or no interest rate rather than against accounts with a higher interest rate and are coming due sooner. 

For my business account I caught Capital One applying a majority of my monthly payment to my 0.00 % reduced rate promotional balance that was due XX/XX/2023 rather than to my 6 months same as cash promotional balance expiring XX/XX/2023 with an interest rate of 29.74 %. The other credit card companies do not do this! They apply your payment to your first account that is coming due the soonest. Thank goodness I caught this because if I did not, I would have had to pay all of those accrued interest charges. Furthermore Capital One does not allow you to allocate how much of your payment you want allocated to each account online. I had to take time out of my busy day to call Capital One every month to tell them how to apply my payments to my accounts because again, they were applying a majority of my payment each month to the account that wasn't due until XX/XX/2023 with a 0.00 % interest rate instead of applying a majority of my payment to the account coming due XX/XX/2023 with a 29.74 % interest rate. 

For my personal account with Capital One I was charged a {$29.00} late fee and {$17.00} on my XX/XX/2023 statement for being 2 days late in paying my statement balance that was due XX/XX/2023. Capital One received my payment on XX/XX/2023. Other credit card companies and banks allow up to 15 days for a grace period before they charge a late fee. I made my next payment ( in full and on time ) to Capital One on XX/XX/2023 that included paying the {$29.00} and {$17.00} in fees. As if the {$29.00} late fee and {$17.00} interest charges weren't enough, Capital One assessed me another {$11.00} in interest charges on my XX/XX/2023 statement to further penalize me. The representative told me that it is Capital One 's practice to charge interest charges for 2 months straight as a penalty for being late even though I paid off my entire balance the month before. This is egregious. I've been late two months in a row with other credit card companies ( XXXX, XXXX ) and have had no problem getting my fees waived.
Consumer complaint received 2019-04-29
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. (GA)

Equifax is reporting my social incorrect. The are the only bureau reporting it and I have disputed it with them and they haven't fixed it. 
They still have my social off by 1 digit and there are several accounts only on Equifax that are not mine & I have never done business with. If they fix my social all those invalid accounts would come off as they are affiliated with that social. 
Because of Equifax not fixing this is has caused me to lose the financing of my house. 
Because of this I have contacted an attorney. 
This is an obvious violation and inaccurate info and I DEMAND it be fixed and the CFPB should demand it be fixed before they allow Equifax to close this complaint. 
I have attached proof of my social and PROOF that they are reporting my social wrong along with all the accounts affiliated with it. 
I am prepared to go further with legal action as long or as far as I need to take it. I am so tired of fighting this and them not being accountable. You guys are ruining my life! 
Do your job and fix it. Thank you
Consumer complaint received 2022-10-19
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( XXXX ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - 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 2021-11-08
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-11-30
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/2020 Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button
Consumer complaint received 2017-05-29
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. (NJ)

XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
Consumer complaint received 2021-11-08
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Consumer complaint received 2020-11-10
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: CBC Companies, Inc. (TX)

XXXX  XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is not reporting correctly again- missing from my credit file see the company name of the collection agency, no contact information, this is incomplete- the fair credit reporting act says data reported must be accurate, fair, and.complete. Several entries missing as you can see from the i had to spend hours trying to determine whos account these these two were.
Consumer complaint received 2022-10-19
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. (OH)

Ive contact Experian, XXXX and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Consumer complaint received 2022-10-19
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. (OH)

Ive contact XXXX, XXXX and Equifax to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Consumer complaint received 2021-11-08
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: World Acceptance Corporation (MS)

My XXXX  credit report has XXXX XXXX XXXX collection agency on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX, and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX  told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc. (IL)

I was attempting to speak to supervisors about their company using XXXX XXXX XXXX contact information resulting in them calling my phone number of XXXX looking for XXXX XXXX. I wanted to know if their corrections of incorrect data only stay internally or is reported to the credit bureaus or updated to the debt asset when sold on to other collectors. I was unable to get to that line of question as the very basic questions would not get answered. I spoke with XXXX supervisors on Wed XX/XX/XXXX The first was a female who refused to identify herself or the company name. She cited a security policy and refused to answer the questions multiple times until she terminated the call. 

I then spoke with a man who said the first supervisor was wrong and should have identified the company. He said their name with a thick accent and refused to spell the name of the company citing a security policy. He refused to provide his name or the mailing address for the company. He did identify the company was incorporated in Illinois as asked. When I repeatedly asked him to spell the company name and provide a mailing address he refused until he terminated the call. 

They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. 

Refusal to identify the company is a clear violation of the FDCPA and these nefarious and purposely misleading practices are deceitful and motivated by mitigating the ability for people to hold them accountable by making identifying them to government agencies difficult.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.