davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed Santander auto loan account is reporting a late payment in XXXX of 2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being XXXXt and many XXXX. Please advise, thank you and XXXX bless. 
Santander Account # XXXX ....
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have sent 3 rounds of letters to Equifax requesting they remove the student loans on my file that are clearly marked as " transfered ''. These tradelines are holding my score down making it very difficult the navigate through financial life successfully. In addition to the transeferd tradelines there are also accounts reporting past the legal reporting date.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (IN)

Please read attached FTC report. XXXX, Experian, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The cXXXX XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, I recently challenged the validity of XXXX XXXX CO Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : CREDIT XXXX XXXX XXXX : XXXX XXXX XXXX Rock XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I bought a car from XXXXl XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX  XXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I do not have a signed contract nor any contract with Ability Recovery Services , LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Ability Recovery Services , LLC. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed is not removed from my credit report within 10 days.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I closed our checking and savings accounts a year ago but kept a financial management ( Merrill Lynch ) account open. Bank of America accepted a charge on our closed account, opened it and overdrew it. 
B of A should NEVER be allowed to open a closed account simply to collect overdraft fees. I believe this is fraud.I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact us- phone- close account- contact us- phone- close account, etc. ) I just want to clear up the overdraft and close the account. Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help.
Consumer complaint received 2020-02-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Balance {$330.00} Account number XXXX The above furnisher has violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, the above furnisher has violated The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692, This negative information will prevent me from obtaining a mortgage, car, etc.
Consumer complaint received 2022-03-09
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. (IN)

I bought a car from XXXX  XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OH)

I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (NJ)

I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX
Consumer complaint received 2019-03-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Continued calling daily 4-5x 's even on Saturday & Sunday from 2 different numbers regarding a {$51.00} balance as early as XXXX, spoke with rep on a Sunday who stated agency has a right to call. I informed rep of the FDCPA the calls stopped for that day. The following week the calls came in every 3hrs.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MN)

I applied for retail credit with XXXX XXXX out of XXXX, MN on XX/XX/2018. The promotion was no interest if paid within 24 months ( the minimum monthly payments may or may not pay off the promotional purchase before the end of the promotional period ). XXXX, the sales person, stated I qualified for the deferred interest/no interest if paid in full within promotional period. I stated several times I only want financing where I can pay the minimum but not equal monthly payments for the 24 months. My first bill arrives and I was signed up for equal payment for 24 months. Payments are {$600.00} per month. Exactly, what I did not sign up for or wanted. I contacted XXXX XXXX and was told I needed to speak with XXXX. XXXX left me a voice message stating there are only 2 options with Synchrony Financial and so he just signed me up for equal payments. I left a voicemail for XXXX explained that's not what I signed up for and it needed to be corrected as I spoke with XXXX, ext XXXX at Synchrony Financial and it was XXXX XXXX who made the error and they were the only ones who could correct the financing error. It's the end of XXXX and I still have not had any word back from XXXX or anyone at XXXX XXXX on the issues I've had with them. I've filed complaints with the Minnesota Attorney General 's Office, I've disputed it with Synchrony Financial, and with the Minnesota Department of Labor and Industry. This financing was a switch and bait and fraud tactics were used.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (PA)

First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC (PA)

Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of ID Theft for years. I have continue to reach out to Trans Union to present my credit report and financial situation accurately. But they refused to do so. I sent them a request to verify my public records and after there investigation, I was informed that they received accurate information form the U.S. XXXX XXXX XXXX and XXXX XXXX XXXX based in XXXX. I personal went to the U.S. XXXX XXXX  and they provided me with a letter confirming I do not have any public records. As well as XXXX. I sent my documents in on XX/XX/XXXX via certified mail, and they were received on XX/XX/XXXX. I contacted Trans Union and was told after 2 days of investigation that there investigation was confirm by the U.S. XXXX XXXX XXXX. It was untrue. I am in the process of filing a monetary legal suite against Trans Union for damages because they are damaging my financial character. I am requesting an immediate solution to not pursue legal damages.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

This is in regards to XXXX and XXXX XXXX. A few months ago I paid off some older purchases that were coming up on the end of their promotional period ( or at least I thought I did ). However, when I went onto my account yesterday I found that I had several hefty finance charges. When I reached out to ask why, I was informed that they arbitrarily applied my payments ( over {$3400.00} ) to what they chose too and then hit me with {$800.00} worth of finance fees for the older purchases because the promotional time frame passed. At this point my entire outstanding balance consists of these fees. 

This is the automated response I received : " Please be informed that first, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. 
However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. ''
Consumer complaint received 2018-12-19
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I submitted a billing dispute for the XX/XX/2018 charge of {$330.00} from the XXXX XXXX XXXX XXXX. My reservation was made for a total of {$160.00} and upon arrival, this rate was verified by the hotel at which time I provided my card for authorization. However, the hotel decided to change my rate after I had already checked out of the property. I provided Chase with a copy of my original reservation showing the verified charges at the time of check-in as well as a copy of the XXXX Terms and Conditions highlighting the documents required qualify for my rate. The required documentation was provided and verified by two employees at the time of check-in. No mention of a rate change was ever made during my stay, thus the merchant violated the terms of sale and changed the amount charged after I departed the property. 

Despite providing this documentation on XX/XX/18 and again on XX/XX/18 at the request of the Chase dispute team. I originally filed the chargeback only days after the charge posted well within the allowed timeframe for identifying billing errors. However, Chase decided to find the claim invalid on the basis that the chargeback timeframe had already passed. This denial reason was due solely to Chase 's violation of 1666.  Correction of billing errors, which requires an investigation and resolution within two billing cycles. However, Chase 's denial was provided after 5 billing cycles from the date the dispute was filed.