davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX paid off car loan in full {$11000.00} XX/XX/XXXX received letter stating " santander consumer usa, inc recognizes the above referenced account as paid in full on XX/XX/XXXX. '' XX/XX/XXXX received letter from santander statting " we have contacted the florida dept of highway safety and motor vehicle to remove our lien interest on the electronic title for the XXXX XXXX XXXX '' XX/XX/XXXX received check from Chrysler capital for {$620.00} as I overpaid the payoff amount. 
XX/XX/XXXX - but I received XX/XX/XXXX a letter from Santander collections ( debt collector ) as an attempt to " collect debt. '' Very perplexed, I called Santander as I knew this must be a clerical mistake because my loan had been paid off since XX/XX/XXXX. I was informed during this phone call that I owed {$1300.00} even though my loan was paid off in full, I received letter of pay off, & title was transfered to me. According to Santander, 2 payments were made to my account in the past year improperly. I have no record of this only their word that this occurred. One in XX/XX/XXXX & the other XXXX XXXX. None of this makes sense as my loan was paid in full.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Card XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/2017 I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or around XX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/2017 I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank told us that we could get the vehicle at the dealership which had a different vin after the loan had been funded for a vehicle with a different vin. They advised us that it was just a matter of reforming the loan to reflect the alternative vin number as the loan amount was not changing. We confirmed wit hthe back that we could picup the vehicle before the loan / check was amended to apply to the collateral with different vin, also a XXXX XXXX, also brand new, also from the same dealership. I have a phone recording of Bank of America indicating as such. Now they backtracked and want a new application and upon doing a new application they are offering a loan roughly 1 % higher. Additionally, they should not be allowed to lie to their clients.
Consumer complaint received 2022-12-01
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (CA)

On XX/XX/21, I filed an Economic Hardship forbearance request with SOFI/XXXX  due to ongoing medical hardship. Upon sending the requested medical bill ( which is already extremely invasive, given the nature of this matter and HIPAA-Related information on a portion of this bill ), my application was summarily denied twice due to the bill photocopy being cut-off, due to personal medical information being on this portion of the bill. In explaining this to XXXX Consumer Relations, and being told that one would not have to send a portion of the bill that had personal medical information or diagnoses/codes, this was escalated back to the processing team which again denied the forbearance, even in lieu of me explaining the reason for the cutoff bill ( personal medical details ). This bill shows the dates of service, provider, my name, and full charges -- all of which was requested by SOFI. At this time, I am requesting immediate executive level assistance to approve this forbearance given all the time I have put into this matter, prior to a HIPAA Complaint and further action being taken to ensure this is justly applied to my loan account.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (NY)

Trek collection has placed a collection on my credit reports. I have never been contacted or receive any notification from this company, XXXX is there contact #. This and other numbers are not in service. I have not record of any kind from this company. This was placed on Credit report during Covid-19 pandemic. After many attempts to contact company and dispute with credit companies it still remains. 
The phone number is disconnected
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I contacted XXXX via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.
Consumer complaint received 2016-01-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penncro Associates, Inc. (CA)

This bank is trying to collect from a vehicle they sold to a private party after denying my insurance claim in regards to loss of income, a benefit I had paid for 1 year. when it was time to use it they denied me. They are not reporting correct amount as a result I have spoken to an attorney however he has not been hired yet. I am considering hiring him soon. I have asked XXXX XXXX to remove this company from my credit report due to their insufficiency in regards to the amount. This debt collector has inquired more then 3 times in less then a year.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

On XX/XX/XXXX, I have sent the company a " cease and desist letter '' via registered mail, but the company contacted me again, after receiving my " cease and desist letter. '' Today ( XX/XX/XXXX ) I received their letter dated XX/XX/XXXX. This is much after they received my " cease and desist letter. ''
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MO)

We where contacted by a pamphlet in our mortgage statement asking us if we where interested in refinancing on XX/XX/2021. We responded and spoke to XXXX XXXX of Lakeview Loan Serving. We sent him all the info requested. We tried to contact him several times with questions but he NEVER returned our calls. We then spoke to 6 other people who requested the same info. We again sent them the info requested and still no returned calls. We just got more e-mails requesting the same info, utility bills to prove our address like phone bills. We sent them this info AGAIN even by certified mail and XXXX XXXX signed for it. Still NO return calls. We even tried to have the phone company fax them a copy of our statement but they couldn't do it so my wife went to the phone company got a copy of the statement and sent it to them AGAIN. STILL NO PHONE CALLS. Today we received yet another request for utility bills for address proof. We believe they do not want to refinance our home even though we have been making mortgage payments for over 35 years on this home and a previous one and never missed a payment or was late. They have shady and unprofessional business practices and I hope you can do something, Thank You
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (CO)

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. On XXXX  it indicated the collections as Central credit, but on XXXX  it indicates collection agency as Penn credit. They removed it last month off my XXXX  then added it back this month and that is violation of FCRA and FDCPA. the credit bureaus also refusing to provide method verification that the acct and amt are accurate. They refused to provide license #, address, if they can collect under 2 different entities. DEBT VLAIDATION LETTER WAS SENT XX/XX/XXXX CERTIFIED AND NEVER RESPONDED TO. AS WELL AS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

on XX/XX/XXXX the company ARS RESOLUTION solutions responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX  services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , Third Circuit. Jennifer CUSHMAN, Appellant, v. TRANS UNION CORPORATION. No.96-1553. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 00-15946 TOBY NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORPORATION, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-14
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. (KY)

Upon review of my Equifax credit report, I noticed a collection account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXX XXXX  XXXX. As I did not recognize the account nor original creditor, I filed dispute with Equifax. 

Equifax 's dispute resolution was to add comment " Consumer Disputes This Account Information ''. 

I then wrote the XXXX XXXX XXXX directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.
Consumer complaint received 2022-12-15
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-21
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: Bread Financial Holdings, Inc. (CO)

XX/XX/2020, I scheduled a XXXX  ( XXXX  XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021, we received a phone call from a XXXXXXXX XXXX XXXXXXXX employee. At the time I was at quarantined at home with XXXX children on " XXXX '' school. After a pressured conversation and threats to cut the power to our home in which he brought a number of proofs to validate himself, we paid him in 2 transactions totaling an amount of {$2200.00} for an account that we believed was in arrears. Immediately, after hanging up the call, we realized that the call was fraudulent. Running over to TD Bank in a panic, we tried to stop the transactions. Both of them said " pending '' and we were told that there was a chance to stop the payment. We began a series of desperate phone calls to bank managers, supervisors and higher ups in the hopes of somehow recouping the money. The calls were either not answered, or were not returned. We essentially, were " blown off ''. For us, the amount of this transaction is significant and the absolute disregard and lack of attention from the bank was appalling to us. We have been banking with TD Bank for 10 years and have 9 accounts with them. When we finally reached a vice chairman, after an initial very rude exchange in which he implied that we were a bother, we were told that there was nothing they could do for us as the payment went through immediately. This is very strange to us as the bank records show the 2 payments posting on 2 different days, yet they were made minutes apart. As such, we believe that had we received the appropriate attention, we could have stopped them from going through. It has been a large case of neglect, negligence and general disrespect towards us the customer. We are still seeking recompense for this maleficence and are strongly considering closing our accounts and going elsewhere. In the meanwhile, maybe if this complaint is seriously recognized we might get the deserved attention and compensation.