davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
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. (TX)

I called Experian on the evening of XX/XX/2020 to inquire why my credit score had dropped 17 points from XXXX to XXXX on XX/XX/2020. Their representative was unable to provide any explanation for it and simply apologized. My credit score should have in fact improved as all payments have been on time for the last few years and my credit utilization is at 1 % at the time my score dropped. As well, all other indicators have been trending positively ; no new inquiries, acct avg age increasing, etc.. Experian looks to be gaming consumers ; intently diminishing their scores without a logical justification. Is that not a kind of discrimination? I have a Ch. XXXX bankruptcy that will fall off in 11 months - is this not an example of deliberately punitive action against former debtors? Again- they were at a loss to even try to explain it over the phone. They asked to read to me the negative info on my report. I can read it myself, of course. I asked how it can be that my score drops 17 points out of nowhere - with everything going well - and was only offer an apology. They recorded the conversation. I demand a proper and logical explanation for the point drop OR an upward restoration/adjustment in my score to reflect their error.
Consumer complaint received 2020-02-10
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. (NJ)

Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (TX)

I have a secured card with XXXX  XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX  you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX  XXXX   XXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been a Capital One credit card holder for at least two years. I opened this account as my first credit card when I was in my final year of college. I believe it was, at once point, associated with my status as a Student. I am 13 months out of college at this moment and have almost always ( at least for the past 12 months ) paid the complete amount on time. I have never spent over my limit ( or even come close ) or been more than a few days late, if at all. In late XX/XX/XXXX/early XX/XX/XXXX I closed my checking/savings with a small local bank ( Institution for Savings in XXXX, MA ) and opened a new checking/savings account with XXXX XXXX. I immediately linked this account to my Capital One account so I could continue paying my monthly credit cards bills on time. Unbeknownst to me at this time, the XXXX XXXX account was somehow not added to my Capital One account, but instead a XXXX XXXX XXXX account was added. I do not currently nor have I ever had any kind of account with XXXX XXXX XXXX. I do not know how this account was added. I did not consciously done. Because this account, not my XXXX XXXX account, was added, the auto-payments from XX/XX/XXXX and XX/XX/XXXX defaulted and did not go through. As such, the account accrued both late fees and interest charges from both of these months. There was no effort made by Capital One to inform me of these default payments, despite 2 years of history and and an exceptional record of on-time payments. Today, I logged onto my mobile account and saw these fees and charges for the first time. Thinking it was a misunderstanding, I called the customer service number. They informed me of the XXXX XXXX XXXX accounts, which, as you can imagine, was a huge surprise to me. The company then led me on a 2 hour, 7 person, 2 dropped call goose chase to get answers. In the end, no one was able to help me. I am extremely frustrated and disappointed at the quality of customer service, inability to claim responsibility, and attitude with which I was treated.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (VA)

This is a complaint against Lia Motors Finance c/o Hyundai XXXX XXXX XXXX 
1 ) I have received a bill for {$16.00} for a violation but no one can give me documentation of what it is for. There are no documents scanned into my account for more information. I was told in XXXX  I would be sent a statement showing what its for. Now They are saying my account will go to collections. Ive talked to a supervisor who claimed to escalate my complaint but when I call back in a few days nothing has happened. 

2 ) Now I am also facing a {$25.00} late fee for a toll violation ( different violation ) I incurred when my XXXX XXXX didnt not read properly. Hyundai leasing did not pay the {$5.00} toll within 31 days so I was charged a late fee of {$25.00} bringing it to {$30.00}. Now Hyundai is saying I owe {$30.00} on top of the other mystery fee. I have proof the first violation notice for {$5.00} went out on XX/XX/19 from the toll company. 

This company also lost a {$670.00} personal property tax refund check from my city and it took 4 months of back and forth with them to have it applied correctly.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Once again the crooked lawbreaking XXXX XXXX XXXX has once again left the last payment date off off of my credit file with XXXX and Experian, Thus violating the law and still throwing my unlawful XXXX around like its okay And they have medical in the remarks of XXXX and not the other, they have junk data hows it con a say Consumer disputes reinvestigation in progress Account previously in dispute - Now resolved by data furnisher That is redundant and its junk data! 
The furnisher hasnt resolved a XXXX thing but a bunch of violations hes gon na pay me well for, inconsistent data, it never fails. And then on the other one, it says XXXXXXXX XXXX previously in dispute - Now resolved by data furnisher lol/ I consistent, unfair! XXXX 




Hope you got your checkbook ready cause the federal complaints are being drafted now, you scored good! 

See you later?
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VT)

Last XX/XX/XXXX I learned AES ( XXXX XXXX XXXX ) reported my student loan account XXXX days late, yet they also reported it as " Pays as Agrees ''. I immediately called AES to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with AES and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not XXXX. 

AES agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX XXXX # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my XXXX  credit report. I called on XX/XX/XXXX and spoke to XXXX XXXX # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my XXXX credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. AES is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and AES should be held accountable and at the very least they should fix my XXXX  credit report. Please have them correct this
Consumer complaint received 2020-02-11
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: Sequium Asset Solutions, LLC (AE)

I moved to XXXX in XX/XX/XXXX to support the US Military as a XXXX. I received notification from my credit monitoring service in XX/XX/XXXX while preparing to purchase a car that Sequim Asset Solution, LLC entered a collection on XX/XX/XXXX for XXXX XXXX XXXX. 

I never had an account with XXXX XXXX XXXX and had no prior knowledge of Sequim Asset Solutions attempting to collect on a debt. I have an account with XXXX that has been in dispute after damage to my property occurred by their installation crew in XX/XX/XXXX that they never took care of ). 

So - I sent Sequim an email with a copy of the Certified Letter disputing the account and requesting information so I can proceed accordingly. I cited both the FDCPA and FCRA in my letter and requested information on the item and that they intiate an investigation IAW the FDCPA and FCRA. 

My letter was the 'Initial Contact '. In my letter I requested Sequim Asset Solutions, LLC to provide all information as required by FDCPA. I also requested that the information be treated as a disputed and demanded that it be removed from my credit report if not validated. By Law - Sequim had 5 days to provide me the information I requested. By Law - they had an additional 25 days to complete an investigation and provide me the results and/or remove the information from my credit report ... 

I have called multiple times since XX/XX/XXXX - the day they received my Certified Letter. In each instance I have received the run around and have been told they do not have access to my letter nor any validation. I was actually told by a manager from their  company - XX/XX/XXXX that Sequim ( itself ) does not have to send me a validation and that by putting remarks in my credit report that it is disputed - that they have complied with the laws ... 

Nearly 3 months has passed. Sequim Asset Solutions has failed to comply with FDCPA Part 809 - 'Validation of Debts ' and FCRA Part 660.4 - 'Direct Disputes '.
Consumer complaint received 2022-01-25
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: WELLS FARGO & COMPANY (GA)

I HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN 2021 THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.
Consumer complaint received 2022-08-28
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: DISCOVER BANK (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-09-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (CT)

I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ).

SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ).

SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements.

SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ).

SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ).

SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ).

SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish.

SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ).

False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose.

SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).
Consumer complaint received 2020-02-10
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. (NJ)

Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (OK)

Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called XXXX to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of Sunbit, using the email of XXXX XXXX, called in reference to the dispute that I had filed with XXXX. I verified that it was not my account and that they had the wrong phone number and email. Sunbit emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from XXXX that Sunbit had verified the account WAS MINE and ACCURATE. 

I called both XXXX and Sunbit to no avail but that I needed to file a police report and file a report with you.
Consumer complaint received 2021-03-09
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. (LA)

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Upgrade, Inc. (CA)

Upgrade Credit Card- Had a Credit limit of {$3000.00} and never missed a payment or never been late with a payment. After my last payment on XXXX XX/XX/XXXX  for {$170.00}. My available credit never posted, and when I contacted them today XXXX XX/XX/, and asked, when will the available credit post, they informed me that after review of my combined credit, that my Line of Credit was reduced to {$2800.00}. So they kept my {$170.00} payment and left me with an available credit of {$.00} cents. They said the money was used for principal and interest. I have automatic payment setup, to be taken out every month. This is unacceptable, a total Scam, they should not be allowed to steal someones payments.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CMG MORTGAGE, INC (HI)

XX/XX/XXXX Sent message through account saying that my loan was not reported to credit bureaus and wondering why. 

XX/XX/XXXX Tried virtual chat ( as directed ) three times. Unsuccessful. In my last chat I requested a call by a customer service manager. I wanted to talk about the chat people who disconnected on me twice. 

XX/XX/XXXX Sent message through account and attached a copy of my XXXX  credit report. I stated that the credit request was there ( twice ) but that there was no mortgage. Can CMG add it on for me and my husband? 

XX/XX/XXXX I was called from XXXX from CMG Customer Service @ XXXX XXXX ( XXXX XXXX XXXX. I told him about the chat people who hung up on me and I told him why I was calling. He said he would put an inquiry in [ nothing happened here, no call back or anything ]. 

XX/XX/XXXX I sent a message following up on the XX/XX/XXXX inquiry. 

XX/XX/XXXX I received a reply to the message that a letter was sent on XX/XX/XXXX ( I did not get it yet ) and that I got a copy sent by email. 

XX/XX/XXXX I replied that I did not get the letter or the email, to send the email again. 

XX/XX/XXXX Text of letter sent to me by message. In it they said this : As a servicer, we are bound by contract with investors to report to the credit reporting agencies. The Fair Credit Reporting Act ( FCRA ) requires that if we report, it must be accurate. We note that your correspondence does not specify which payments were inaccurately reported, nor does it supply supporting documentation that shows funds were received in a timely manner. We are, therefore, unable to accommodate your request without proof that refutes our previous reporting. 

XX/XX/XXXX I replied and said I sent you my credit report on XX/XX/XXXX ( since the letter says I did not supply documentation ). I asked why CMG wasn't reporting my mortgage. 

XX/XX/XXXX CMG replies " Our records indicate the credit has been reported each month as current. '' XX/XX/XXXX I checked the credit report again. It is not updated with the mortgage.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (RI)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!