davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MA)

I had XXXX deposited into my account from a dispute I submitted it was deposited into my account on XXXX/XXXXXXXX2021 then it was taken without any kind of notice on XX/XX/2021 which caused my account to spiral out of control. I called immediately and was told I couldn't dispute or appeal that decision from happening and was told by a supervisor she would not escalate this on her own terms not policy of wells fargo I missed timeline to appeal and was lied to on numerous other phone calls from the bank I have multiple other complaints as well in regaurds to this complaint and more as well
Consumer complaint received 2018-07-08
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. (AZ)

I became aware of a collection issue on my XXXX  and Experian account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX.i have never had a account with XXXX XXXX never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. Experian and XXXX simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .XXXX and Experian violate the FCRA without any evidence of a debt.
Consumer complaint received 2021-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MA)

Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. 

And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. 

THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. 

THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klima, Peters & Daly, P.A. (MD)

Sallie Mae Bank shared my personal information with debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. filed a lawsuit on XXXX XXXX XXXX behalf then Peroutka, Miller, Klima, Peters, P.A. shared my personal information with Klima, Peters & Daly P.A. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from Sallie Mae Bank, XXXX XXXX XXXX XXXX, Peroutka, Miller, Klima, Peters, P.A or Klima, Peters & Daly P.A. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection XXXX c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, Sallie Mae Bank knowingly transferred my personal information without my lawful authority to debt collectors XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX illegally shared my personal information with debt collectors Peroutka, Miller, Klima, Peters, P.A. and debt collectors Peroutka, Miller, Klima, Peters, P.A. illegally shared my personal information with Klima, Peters & Daly P.A. and all obtained and are in possession of my personal information without my lawful authority and Peroutka, Miller, Klima, Peters, P.A. and Klima, Peters & Daly P.A has used such information and illegally attempted to collect an alleged debt.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE CORPORATION (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SOUTHSTATE BANK account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (CA)

The XXXXXXXX XXXX XXXXXXXX sold me a vehicle with a price tag of XXXX when all was done the price went around XXXX for a loan to get the vehicle. They ran my credit XXXX times and then after I was approve the charged me a XXXX XXXXXXXX XXXX down payment.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2021 I made a transfer from my Coinbase account to my XXXX account of XXXX. XXXX the next day confirmed the transfer but would return it to Coinbase for reasons of alteration of XXXX XXXX. They sent me proof of return but Coinbase never credited me with the money again and also does not give answers to the emails I send for customer service. It's been 3 weeks and I don't have resolution of the problem and Coinbase doesn't respond. 
Case # XXXX On my Coinbase account
Consumer complaint received 2021-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

got a loan from American First Financial to buy new tires at a tire dealer. I have no credit cards and am going through bankruptcy. The interest rate was not disclosed to me, I e-signed the docs and later got the statement of XXXX,19 % APR. I was shocked. Is this illegal in CA?
Consumer complaint received 2021-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.
Consumer complaint received 2022-10-16
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: DISCOVER BANK (NM)

Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (VA)

I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Prosper Marketplace, Inc. (NY)

I had a credit card from the company Prosper over 3 years ago which was paid and closed with no balance. 
I have been a current victim of identity theft for the last several months and just received a letter from this company Prosper claiming I have an outstanding balance of {$910.00} and that it has been charged off and sent to collections. 
The card I did have with them had a credit limit of {$500.00} and as I previously have said, it was paid in full and closed. 
This one I am sending a complaint about is not mine it has been either reopened or another card with the same company was opened fraudulently without my consent and knowledge and used. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I received the attached from a collection agency. On XX/XX/2021 I contacted the company that I knew nothing of this account. I was informed they would send information but I have yet to receive anything. XXXX XXXX XXXX are like all the fraudulent companies that try to extort.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on Experian/XXXX/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

My TJMaxx Credit Card by Synchrony Bank was closed by the bank because they claimed that I didn't use my card in 12 months. We are in the mist of a global pandemic with stores/businesses being closed down for months to control the spread of the Covid 19 virus and this bank instead of accommodating the current global situation and providing solutions instead penalizes its customers by closing their accounts. When I used this account I paid it in full and have a good credit reporting. There was no reason why they needed to close the account without even previously notifying me that they were contemplating closing my account. When banks close your credit cards that affects your overall credit rating and your ability to obtain credit at a fair interest rate. When they closed my account on XX/XX/2021 my credit rate dropped 33 points. 
Their policy of 12 months inactivity should have taken into account the global pandemic and the lock-downs for both businesses and consumers. 
If they felt they needed to close my account for inactivity after that they should have notify me in advance that this was a possibility and given me the fair chance to use my card in order to retain my credit card and not affect/impact my credit ratings.
Consumer complaint received 2022-03-27
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. (IN)

I contacted Transunion to remove a few hard inquiries that was not made by me! 

The customer service department refused to. 

The inquires that need to be removed are : XXXX XXXX, XXXX XXXX, AND XXXX XXXX
Consumer complaint received 2021-08-25
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: HUNTINGTON NATIONAL BANK, THE (IL)

XX/XX/XXXX - Purchased a XXXX XXXX at XXXX XXXX  XXXX dealership in XXXX, WI Put money down and came back to Illinois and financed it through XXXX XXXX XXXX out of XXXX XXXX, IL Paid it off on XX/XX/XXXX The vehicle is in my late husband 's name so he just passed away the first week of XXXX so I went to the DMV in XXXX, IL to have my name put on the title and was told that their was a lien on it from a bank in XXXX, OH. ( XXXX XXXX XXXXXXXX  ). So I called them and found out that bank was bought out by Huntington Bank in XXXX, OH. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  the created a case # XXXX. Told me I would hear something from them in 3 to 4 weeks. I never got a call back. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me the Lien letter would be sent out on XX/XX/XXXX. Never received it. 

XX/XX/XXXX - called Huntington Bank spoke w/XXXX  she told me it would be mailed out next week but talking to her she gave me the impression she was just saying that because as we spoke she was totally confused as to what I needed. I asked her to overnight it to me and she said she will ask them to do that. 

Now, here 's what I did concerning my credit union ( XXXX XXXX XXXX ). 
XX/XX/XXXX - called and spoke with XXXX and she said she will look into it and get back to me in 7 to 10 days. ( I received no call back ) XX/XX/XXXX - called and spoke with XXXX and told me the vehicle was not registered in the DMV in Illinois and I told her it was XXXX. She said I will hear back in 2 weeks. ( I did not receive a call ) XX/XX/XXXX - called again and spoke with XXXX XXXX. She told me I would receive a letter stating that their was no lien on the vehicle. I received the letter yesterday ( XX/XX/XXXX ) but that won't do any good because it says XXXX releases all interest but I need the one from Huntington and I felt that since I paid it off through XXXX they should have given us a title. 

XX/XX/XXXX - I called and spoke w/XXXX  and XXXX and explained that I needed help in getting the title but most of all the lien removed and I felt they should help since I financed it through them. 

The Wisconsin DMV shows that XXXX XXXX XXXX was the lien holder but the Illinois DMV says XXXX XXXX XXXXXXXX  ( Huntington Bank ) is the lien holder.
Consumer complaint received 2022-03-27
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)

I contacted experian and told them how I do not recognize an inquiry from XXXX XXXX  on my credit report. There is no account tied to it either, which should prove that it wasn't me. I contacted the parties to get it removed with no luck. 

Customer support at Experian was no help. Please remove.
Consumer complaint received 2021-12-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I have sent several letters to medical data system I concerning debt that i alleged owe. They have dupicate accounts reporting on my credit repot thats not legal. I have asked them to proove these accounts and they still havent yet prooved anythig. I also still havent got updates yet within the last 120 days when it should have only been 30 days by law.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CO)

I received a " XXXX '' prepaid debit account and card that I never applied for. I did have a fraudulent unemployment claim filed in my name that I reported earlier in the year. The card bank is American express national bank and it has a bank account and routing number associated.