davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
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. (CA)

I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Hello, Im trying to link XXXX to my XXXX XXXX credit card, but XXXX is blocking me from enabling external applications, could you please look in to this issue and help me fix or solve it? 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a XX/XX/XXXX letter from Linebarger Goggan Blair and Sampson In response to a complaint I filed with CFPB. XXXX XXXX started in this letter that the funds that I discovered had been illegally intercepted were the result of an account that had been forwarded to their office in error by the XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX started in his letter that these funds would be returned to me. 

I contacted the XXXX XXXX upon receipt of the letter from LGBS and the Clerk of the Court disputed XXXX XXXX contention and provided evidence that no account had been forwarded To LGBS and that my original debt to the court for a traffic violation, had been PAID AND RESOLVED in XXXX. 

Additionally, LGBS has received a check for the {$300.00} they erroneously intercepted and have not returned the money they took from me as XXXX XXXX said they would. This company is now collecting interest on money that belongs to me, has not returned my {$300.00}, and has a history of Class Action settlements for unsavory business practices. 

Please post my complaint as Linebarger Goggan Blair and Sampson continues to use illegal means to collect and make money by illegal and deceptive means.
Consumer complaint received 2022-03-30
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. (MD)

Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans. 

On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile. 
XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice. 

I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date. 

At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen. 

Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title. 

I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.
Consumer complaint received 2022-03-31
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I have had an account with Synchrony Bank Home account since XXXX. Back in XXXX I misplaced my credit card and called Synchrony Bank for a replacement card. However, I never received a replacement card to use my account. 

On XX/XX/XXXX I received a notification from the credit bureau. When I reviewed my account, I noticed that my Synchrony Bank Home account was no longer showing on a credit report. Then I see that the account was closed by the creditor stating lack of usage. With respect I can not use my card if I misplaced it and requested a new card and never used it. I did not owe a bill and my payment history is exceptional. Nor was I notified that the card was going to be closed. 
Im very disappointment by these actions and unfair treatment by Synchrony Bank. This has also adversely affected me causing my credit usage to become higher. Also, my credit score has decreased as well affecting my overall credits score. I can not gain access to my account online to review bill payment history, and merchandise purchases. 

We have been in a pandemic for over two years, and the world is moving forward opening up in XXXX and my credit card becomes closed makes no sense to me.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I submitted an online payment of {$200.00}. to my Care Credit account managed by Synchrony bank on XX/XX/2019. After my account closing date, I received notice of no payment received. I immediately contacted Synchrony Customer Service they claimed the {$200.00}. payment was never received. I was forced to make a double payment to keep my account in good standing, then I disputed the non-payment issue immediately. Some how Synchrony Bank has lost the {$200.00}, and will neither refund it or apply it to my account, because they dont see where it went. I have submitted the information from my credit union, XXXX, showing that the electronic payment was sent and received by Synchrony Bank. While XXXX XXXX XXXX researched the matter, tooth the customer service manager and our local branch manager noticed that in the history of our payments to several different cards, Gap, Walmart, and Care Credit cards all held by Synchrony were bearing the same ACH number. XXXX managers both stated that this is highly irregular and was suspicious, as each individual credit card payment should bear its own ACH number. Synchrony also ran my credit right after my complaint and slashed my credit line down to the point it affected my credit score. They did a similar action to my wife several months ago, affecting her score as well. I feel Synchrony bank is practicing unfair and possibly illegal credit operations. I am again, faxing more information to them today, however, 3 months have passed and I doubt there will be resolution. I would like to either have the monies refunded to me with the same interest they charge me or the same be applied to my Care Credit Account. Thank you for your assistance. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Collection Corp. (MI)

XXXX ( eagle collection from XXXX IL ) called my #. All unrecognizable # s go to voice mail which this company didn't not leave. Called # back saying someone at my # owed money, yet refused to give me information about the call without providing my PI. Their # has now been permenetly blocked by telephone and telephone company. Companies like this can go XXXX themselves, especially when they wake me up while I'm sleeping.
Consumer complaint received 2019-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I borrowed {$300.00} from CheckSmart in late XX/XX/2019. I made a payment of {$100.00} om XX/XX/2019. I receive a monthly pension. When I went to pay off the balance, I was informed I still owed {$310.00} to get rid of the loan. The other option they were trying to get me to agree with, was to sign a contract to pay {$57.00} for 12 months. Then at the end of 12 months pay {$370.00} in one lump payment. Facing further entrapment if I failed to pay off the loan in full, I chose to sacrifice, and get it over with. I thought the new guidelines were written to help consumers get out of the payday advance trap by making sure payments went toward the actual balance. Instead, Checksmart is  defiant, and making matters worse for consumers. It's an insult, the way they take advantage of people who aren't good at math or don't have the option of paying the whole balance then and there. Wasn't the new rules supposed to start in XX/XX/2019? It seems like part of the {$100.00} I paid at the beginning of XXXX, should have gone toward the balance since the new regulations were supposed to have gone into effect then, or do I have it wrong?
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I filled out the form on XXXX once for the past two days, XXXX and Transunion have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX worked just fine. No further details that I can use to troubleshoot the issue are shown.
Consumer complaint received 2019-05-03
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I brought a car from the dealership XX/XX/2021. the price was {$21000.00} taxes and fees I put down {$5000.00}. I pay my car note on time, it is taken out automatically every month since I brought the vehicle. I called the loan place just to check and see how much more I have left to pay before I own the vehicle after and the price was still {$20000.00}. I'am looking over my paperwork and the prices are totally outrageous. I'm XXXX XXXX XXXX and I feel like the dealership got over on me. I need help with this situation. The dealership is XXXX XXXX XXXX XXXX and the loan company is Ally auto loan.
Consumer complaint received 2022-03-31
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)

I have uploaded letters from a account that was paid in full that was put on my credit and they refuse to update it and take it off since it is paid in full.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Due to the global pandemic and local shelter in place regulations i like many could not pay my bills. i explained this to capital one in XXXX and they did nothing which resulted in late payments. 

the moment i regained employment i never missed a payment and paid off my credit card extremely quickly. When speaking to capital one i was told my late payments would be removed from my credit report if i never missed a payment. 

i filled out all forms and spoke to numerous agents regarding my struggle with the pandemic. those late payments are to be legally removed from my credit report. every time i speak to Capital one they tell me to dispute it with the credit bureau, which i have multiple times and they have not changed.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

To Whom It May Concern, on XX/XX/2019 I have made a complaint toward my account with Ann Taylor credit card ending XXXX. Ann Taylor credit card was issued by Comenity bank. They disagreed with me, sent me a letter stating my account has been closed on XX/XX/2019 and has reported to credit bureau to damage my credit rating. Until today, Ann Taylor still send me statement on my late charge adding another late charge on top of it. I would like to know is it legal to charge late charge on late charge? the principle amount has been paid plus one late charge. 

Thank you.
Consumer complaint received 2019-04-01
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. (FL)

On XX/XX/2019, Equifax received an initial certified letter from me, disputing and requesting verification of various accounts reported by Equifax on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Equifax has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Equifax received a follow-up certified letter from me requesting again to provide their method of verification of each account listed on the initial dispute letter. 

On XX/XX/2019, I received a response from Equifax sent via a regular mail, which included a copy of my credit file dated XX/XX/2019 which states similar information as their earlier reply which says they have " verified the accounts '', and the " have updated '' and/or " modified '' various fields within each account in question. 

Equifax has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Equifax received certified mail from me on Thursday, XX/XX/2019 at XXXX, but did not reply within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

I have requested validation in regards to the following collection, I got a printout from them saying the amounts, I don't know if that is the amounts I was told how much of it insurance was supposed to cover. I therefore requested more information to which I got no response yet they keep verifying this information the XXXX.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was advertised for a preapproval application for capital one venture one card with a signup bonus of XXXX travel points if I spent XXXX dollars. I did the spending threshold about 3 months ago. Now they don't want to honor my offer. They gave a vague answer and no solution
Consumer complaint received 2023-04-06
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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Consumer complaint received 2022-03-31
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. (CA)

Called trans union to remove hard inquiries on my report that I didnt recognize or authorize. They didnt want to do it. Please make them remove them
Consumer complaint received 2022-03-31
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: WELLS FARGO & COMPANY (GA)

Filed a credit card dispute with Wells Fargo XXXX XXXX XXXX from a purchase made on XX/XX/2022. It was recently declined and letters have not arrived in a timely manner. In fact, a decision was made to deny on XX/XX/2022 and I was never notified until I sent a request on XX/XX/2022. At this time I was provided a response by the merchant and the Vehicle Purchase Order ( page XXXX ) was obviously altered and does NOT match the same document that I have in my possession and was provided to Wells Fargo XXXX XXXX XXXX. This material fact of alteration seems to be continuously overlooked for some reason. By altering this vital document in this dispute, its outright misrepresentation and Fraud. 

At no time was I ever advised of any official means of appealing this dispute as is required by XXXX XXXX. Does Wells Fargo XXXX XXXX XXXX follow the Dispute procedures as outlined by XXXX XXXX or are they following some other procedure? 

On the first page of the ! st attachment this was in the text : We are unable to obtain a refund on your behalf because we have confirmed the merchant provided the services for which you were billed, and you accepted the services. 

At NO time did I accept an altered material change in the Vehicle Purchase Order ( page 5 ) that was sent to Wells Fargo XXXX XXXX XXXX. 

The actual document that is in my possession is in the 2nd attachment and is NOT altered.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (NY)

I have an account with XXXX XXXX and transfer money using XXXX for last few years. Also I have an account with Discover bank too. But I have never used the account for anything. Last XX/XX/XXXX th Discover bank has labelled my account as fraud and suspended my XXXX tokens. Therefore I can not use XXXX XXXX  for any money transfer. I have made over XXXX calls and they have not done anything to help me. Discover bank has to remove suspicious status on my account in order to use XXXX with any bank.Discover has labelled me as a terror with no reason. They should either take me to court and punish me or release my XXXX tokens. So I can be free to use XXXX through my bank.This is a discrimination against my status. 
I have contacted XXXX once and was told that they can not involve in this matter because this has to resolve through Discover bank only.