davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.
Consumer complaint received 2020-02-27
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. (CA)

They refuse to correct information after being provided proof of inaccuracy On XX/XX/2020 I submitted another request to delete inaccurate information on my credit report. On XX/XX/2020 the company responds and stated that the address was deleted. However, it is still on my report. I have send 4 complaints and they say that it will be deleted but they do nothing to fix this issue.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

FACTS : Caliber improperly deducted two XX/XX/XXXX payments from my bank account via auto-draft on XX/XX/XXXX. From XX/XX/XXXX into the last week of XXXX, my account was showing due for XX/XX/XXXX ( due to the double payments ). 
Caliber reversed one of the two payments from my account before XX/XX/XXXX. My account was then showing and is now showing due for XX/XX/XXXX. I have never received a refund of the improperly deducted second payment amount of {$1000.00}, and it is not reflecting on my account! 
I discussed this with XXXX XXXX from Caliber by telephone ( after waiting over 40 minutes to speak to someone ) on XX/XX/XXXX. XXXX XXXX told me o Caliber converted to a new system and has a backlog o The duplicate payment was reversed and is in suspense o The duplicate payment should NOT have been reversed more than five weeks after the error occurred, which made my loan due for the XX/XX/XXXX payment o The payment in suspense will be re-credited to my account ; but at an unknown time, due to the backlog o In the event that the payment is not re-credited by the late charge date, I will have no late charge assessed nor will I have any impact to my credit report Caliber sent me a letter dated XX/XX/XXXX informing me o I owe Caliber {$2000.00} that is two payments! 
o There is no mention of my payment Caliber is holding @ {$1000.00} ( from the improperly duplicated debit to my account for two payments on XX/XX/XXXX )! 
o Caliber WILL report me to the credit bureau if I do not make the demanded payment by XX/XX/XXXX!
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (TN)

Avante has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never had services from XXXX  XXXX XXXX. I have reached out to this company 3 times between XXXX andXX/XX/2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Consumer complaint received 2020-02-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-07-24
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: MAJR Financial Corp (MS)

I have been a victim of identity theft a few times with different platforms such as XXXX XXXX XXXX, XXXX visa card, and XXXX. Fraudulent credit line attempts have been made on my account.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Hello my name is XXXX My problem is with synchrony Bank they financed some living room furniture from XXXX XXXX XXXX, and those from the furniture store sent the broken dirty living room furniture used I have them since XXXX and until now they have not helped me I send to they prove that the living room furniture is in poor condition and they don't want to help me, I sent photos to synchrony Bank and they did not help me
Consumer complaint received 2020-02-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (TX)

On XX/XX/2021, I sent a letter to the collection agency asking for validation of debt from XXXX XXXX XXXXIn accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : if a consumer notifies the debt collector in writing, that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt from the original creditor and a copy of such verification is mailed to the consumer by the debt collector. As of XX/XX/2021, the debt collection agency failed to respond to my request for validation of the debt and did not contact the credit bureaus that the debt was in dispute. According to FDCPA, this is a violation because it has been more than 30 days.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I filed my claim to be reviewed again claim number XXXX after it was denied. I deposited XXXX on XXXX XXXX in an atm in XXXX, Texas and the atm advised me that I can only deposit XXXX bills at a time and asked if I wanted to continue or take out all the cash. I press continue and the atm only deposited XXXX out of my XXXX and did not give me back the rest of my cash. My money should be protected with navy federal. I am also requesting for this video to be reviewed. This is not fair to me as a customer. This was an error with navy federal Then on XX/XX/2021 I asked for another case to be reviewed case XXXX. I spoke with a representative today and was told my case was denied because transactions were chip verified. When I made the claim i was told if a transaction was suspious I am to file the transactions that did not belong to me. For example my claimed was denied for the XXXX  transaction that was made back t back to the same location with a different passenger and phone number that did not belong to me. I do not feel that it was fair to deny the whole claim. I also advised the representative the card was on my possession however at the time I was not aware that the person I rented a room in my home was taking my card and putting it back in my purse. I recently found my credit card statements in her possession and I am currently reporting this to law enforcement. We share a common area and I did not notice this at the time when making the claim, I did not know this claim would be denied. This is not fair to me at all because my card was stolen and fraud was done in my name. I am also noticing that this person has purchased things to copy my personal documents and made a copy of my Identification. After confronting this thief she has not returned to my home. I am going through identity theft and stolen possessions. I did was I was told by your banking representative and turned my card in to the bank in XXXX, Tx. Again please reopen this case and look further into my claim. I did not deserve this and identity theft is hard to prove. I did not want to lie and say my card was stolen when anytime I went to use my card it was back in my possession. It is hard to accuse someone of something without proof. I did not even get a message from you, I had to call multiple times to find out the status of my case and no one reached out to me for more information nor have I received any communication from you. It is not fair to deny something without even reaching out to me, this would of helped me and I would of provided more information to you. I do not like how this case was processed. I have went through this claim process before and to be honest I am very disappointed in this credit union. I was not notified my claim was being denied. Reach out to your customers before denying a claim because I am being defrauded
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX  and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.
Consumer complaint received 2023-06-24
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: World Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I HAVE A COLLECTION ACCOUNT THAT IS APPEARING ON MY CREDIT REPORT THAT I'M NOT AWARE OF AND I THINK IT'S PART OF MY IDENTITY THEFT CASE. I WAS ADVISED TO FILE A COMPLIANT TO GET THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-01-25
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. (GA)

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 2020-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX and I'm a veteran. Since XX/XX/XXXX, I was denied a loan modification, I was told om today XX/XX/XXXX that a loan modification was approved and the new mortgage payment will be over {$700.00}. This amount to high for me to pay and it does not allow for any emergencies. 

Now Bank of America is the problem since they never would approve an modification until now. They said my XX/XX/XXXX taxes " looked funny '' and that's why I was never approved. XXXX XXXX  from Bank of America had been helping me but its apparent that his loyalty is to Bank of America and not me, the mortgage payment needs to be no more than {$600.00}, That's only fair since to was Bank of America 's fault. 

Please help.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

I have noticed a collection account on my credit report that is not accurate and does not belong to me. I have reached out to the collection agency to provide validation of debt. They have provided me with a copy of final credit card statement in what appears to be my name but the debt is not mine. I've asked for a signed contract or any other validating documents that proves that this is my debt, but the company has not furnished these items and continues to report this item on my credit reports.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

I had this issue back in 2021. I thought the issue was fixed but it wasnt. One month my balance was {$1100.00} and I made a payment of {$200.00}. The following month I still owed {$1100.00} dollars. 
I told them they continued to be corrupt and they still did nothing about. They have ruined my credit and have been harassing me. Theres over 100 Voicemails. And 1 letter.
Consumer complaint received 2023-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX  account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

1. On XX/XX/XXXX I transferred XXXX XXXX  to Coinbase from Coinbase Pro 2. On XX/XX/XXXX I took out a loan for XXXX using XXXX XXXX  as collateral 3. On XX/XX/XXXX the XXXX was deposited into my bank account ending i and I still had XXXX total XXXX  4. On XX/XX/XXXX I receive emails that my transfer of XXXX was cancelled, it never was and CoinBase stated that this was due to an internal error 5. On XX/XX/XXXX I also receive an automated email stating that XXXX XXXX  equaling XXXX were sold at a XXXX loss for funds recovery. Recovery of what I do not owe them anything outside of the loan which is still has a balance of XXXX and is current. 
6. I now only have XXXX XXXX  and still have a XXXX loan balance. 
7. Thus, my account is short XXXX They admitted that they had issues the night of the XXXX and it caused a problem with the state of my loan. Since then they have not returned over 10 of my emails kindly asking for the status of my missing XXXX. I have no other recourse left but to file complaints as they are not responsive in solving this error or communicating with me regarding when this will be corrected. I have two cases open regarding this matter case # XXXX and # XXXX.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA Reports UNTRUTHFUL INFORMATION TO AUTHORITIES. NO RESPECT. USAA Reported to CFPB that I reported FRAUD XX/XX/XXXX XXXX {$230.00} see attatched USAA statement XX/XX/XXXX. CLEARLY the {$230.00} is part of the whole amount reported FRAUD XX/XX/XXXX. USAA CAN NOT GET THIS TRUTH. Statement XX/XX/XXXX shows. NO TEMP CREDITS USAA Policy of temp credits to BEGIN FRAUD INVESTIGATION ** THEY DO NOT APPEAR THEY DID NOT HAPPEN AS USAA CLAIMS and Neither do the {$470.00} temp credits appear. The FRAUD CLAIM DATE XX/XX/XXXX Can Not be TRUTH as THERE ARE NO TEMP CREDITS hello ( ** TO MAKE PERMANET. ) USAA LIES ABOUT LYING HIDES TRUTH INTERNAL. TEMP FRAUD CREDITS MADE PERMANET NOT SHOWN ON STATEMENT. Kindly Note the XXXX transaction posted the same day I reported it ( ** FRAUD CAN NOT BE TRUE. XX/XX/XXXX IS THE DATE OF THE PURCHASE PUT ON THE ACCOUNT. {$230.00} XXXX you can view it on attatched statement USAA. )