davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Bank violated the Fair Credit Reporting Act by submitting false information to XXXX and other credit reporting agencies. The XX/XX/XXXX payment was not late but reported late in the XXXX th day. Payments are reported 30 days past due if payment is not made in 30 days. My payment was made in XX/XX/XXXX since XXXX has 28 days and Santander reports at the end of the month and was careless not to falsely report the 30 days late pay. 

Additionally, Santander violated Federal and Stare executive orders not to charge late fees on car loan in XXXX due to Covid 19. Santander still charged me {$80.00} in late fees in XXXX despite President Trumps and Governor Cuomos executive orders.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I was approved for the XXXX ( now XXXX XXXX ) card from the Amex website ( when logged into my account ). It blatantly advertised 75,000 points after {$3000.00} of spending of the first 3 months. There is " lifetime '' language on the terms and conditions of the card that it's for new customers of this card ( I've never had this card before ). I also didn't receive a pop-up from Amex saying I'm not eligible for this offer, something that Amex has been known to do if they target you as not a profitable customer.

After spending over {$3000.00} dollars on this card, I called Amex to see when my points would post. The woman on the other line said tepidly that Amex will not be upholding their promotional offer for me. 

This is very misleading and fraudulent from the customer 's perspective because Amex did not uphold their promotional offer, which is a promise that they will be awarding the customer a certain offer after a pre-determined amount of spending. THIS IS MONEY I COULD HAVE SPENT ON ANYTHING ELSE, and Amex could have TOLD ME UPFRONT that they will not be honoring their promise.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I received my auto loan in 2016 with a interest of XXXX was high especially since I had a good credit score. When I tried to refinance it with also never missing a car payment they rates I was giving were higher. I probably paid over {$7000.00} interest and I also had prepaid for gap insurance and I haven't been contacted about a possible settlement from the recent lawsuit.
Consumer complaint received 2018-04-09
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. (NY)

I found wrong negative information from XXXX  on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (MO)

On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX, XXXX and associates to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case. 

XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a XXXX XXXX Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me. 



I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter XXXX XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file. 

Thank you XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that XXXX XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (TN)

on XX/XX/2022, someone hacked my bank with Current and they entered their bank credentials to link there account with mine. Then they managed to transfer all of my money which was presently {$400.00} from my account into theirs. I saw that this occurred when I noticed a notification on my phone and when I attempted to get gas and was declined use of my debit card. I filed a dispute with Current and they stated it would take about 10 business days to investigate. Within 1 day they emailed me and said they found NO ERROR. I called and they said yes everything appeared normal. I asked if it was normal to be hacked and have my money stolen, did they find it acceptable and of course they said no. They said they would do further review. It was completed and no change. I requested from them 4 different times a copy of the investigation which they said in an email that I could do. I never received anything. I then contacted XXXX to assist me since they bank proved useless. In a 3 way call XXXX pressed Current to send me a copy of the investigative report which is a law under Federal guidelines for any dispute resolution. Later that day, Current emailed me to notify me they had closed my account after which I was a victim of their institution. As of today I still have not received any assistance from Current or a copy of the investigative report.
Consumer complaint received 2019-05-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Risecredit, LLC (UT)

Rise credit kept calling continually after I asked them to work with me. I called them on XX/XX/XXXX to inform them I lost my job and asked for help at least pushing my payments back for a few weeks until I got a new job. They refused to work with me and called non stop. I called in and verified myself with my social security number and asked to be placed on the do not call list after repeated daily calls. Today XX/XX/XXXX they started calling again. I have not agreed to be contacted by phone again. They have tried my bank account for 2 or 3 payments at a time when I had already asked them to hold off for now. I am aware I am in a contract and they have my account number and agreed to payments in advance, which is why I called them in advance and asked for help- but they told me they will do nothing except keep trying my bank account and calling everyday. I have had multiple returned payment fees because they kept trying 2 or 3 payments at a time and I eventually had to shut off the ACH function until I have the ability to pay the fees back to my bank and be able to use my account again. I emailed them today with a cease and desist request. I am not happy with the way they have been treating me. I also let them know I am reporting them. I will not stand to be treated this way.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I wrote Experian twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Experian to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Experian did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Experian did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform Experian that Experian is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Experian delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery has been using deceptive tactics calling my phone several times a day from several different numbers trying to collect a debt not owed. I have no contractual agreement with this company. This company should either be shutdown or have legal action taken against them for their fraudulent and deceptive tactics trying to collect on debts that were not owed. I would like them to remove all negative accounts from all three credit bureaus to clear my credit report of these false accounts.
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCN Holdings Inc. (CA)

student attended a private school to obtain XXXX license. student loans were taken out to pay for her education. but school was shut down during enrollment. when a school shuts down student loans are allowed to be discharged and not made responsible to pay back. the loan servicer for these loans were contacted and paperwork for loan discharge can be filled out and submitted to process this. but a separate statement from " XXXX XXXX '' was a couple months back for an amount of around {$2000.00} and then another one received again but had jumped up to a different amount for about {$5000.00}. So if loans are not in default and are eligible for discharge what is this separate balance? this school was The XXXX XXXX XXXXs College and they shut down this year. The owner did file bankrupt so not sure if this is a way for him to collect money any way he can. But as far as the education attempted here and not completed the financial aid was to pay for that under Title IV funding. I have the NSLDS print out with the amounts and loans owed but are not in default at this moment in time and are eligible for discharge. This is also not the first case that has been heard of the school sending out these notices to previous student trying to collect money in amounts that don't match or add up. with further questioning and investigation they do stop asking for payment. So that is why this seems fishy and an investigation is needed on both the XXXX XXXX that sent out the notice and the former school The XXXX XXXX XXXX College. I have already contacted loan servicer, attorney general and consumer finance bureau and in submitting this i hope there is action taken given all facts and paperwork to support.this balance i should not be repsonsiible for as i have paperwork supporting what i owe and will be discharged and from the school have received nothing to support this supposed debt owed to them personally.
Consumer complaint received 2022-07-10
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, thank you for taking my concern for the billing dispute. 
*On XXXX, I noticed there is a {$37.00} charge on XX/XX/10 XXXX which I have no clue what that is and chated with XXXX to dispute this charge who told me they will handle the dispute. 
*On XXXX, I reached out to XXXX again to follow up the status of the dispute and XXXX asked me '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? '' At that time, I've fully answered the question and XXXX told me they will process the dispute. 
*Today, XX/XX/10, after more than 1 month, I still have not got any update for the status though I've paid the fraudulent charge just to avoid any interest could happen. I just have conversation with XXXX who still asked the same question '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? ". and still no update for the case. It seems a blackhole there. 

I kind of lose faith due to the horrible services HSBC provided and just hope the case can solved so I can close this account. 
Thank you again for your help. I really appreciate that.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inaccurate and fraudulent information present on my credit report, which is a clear violation of the law governing credit reporting. There are several instances of misinformation in my report, stemming from inaccurate reporting, incomplete reporting, or the reporting of unverifiable information. I urge you to take immediate action to correct and remove these discrepancies from my credit report. It is imperative that you comply with the law by providing an accurate and truthful representation of my credit history. 
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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (NY)

I received a Credit Score change notification via XXXX XXXX. A hard credit inquiry from Ally Bank affected my credit score on XX/XX/22. Then on the same day, I received an Ally Bank Alert email notifying me that my New Ally account is now open. I contacted Ally and informed them that I DID NOT open an account with them nor wish to have XXXX. They took a report, and I subsequently received an email from the Ally fraud department advising me to call them. I called and provided the requested information, and they advised me that this account would be closed without further information. I was directed to call XXXX, the Social Security XXXX, and the FTC, to log reports. There has been no explanation of how this occurred, Just a simple, " We will close the account. ''
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OK)

In early XX/XX/2019, I attempted to get new car insurance through XXXX. Everything was fine until they reported that I had two speeding tickets that I had not disclosed. I do not have any tickets, XXXX told me I had to file a complaint with LexisNexis to get the information corrected. Meanwhile I had to pay hundreds of dollars more for my insurance to get it started. I filed the complaint with LexisNexis and they told me it would take a month to get corrected. It was more like almost two months. On XX/XX/XXXX I finally got the " corrected '' report from LexisNexis. They had indeed removed the fraudulent tickets from my record, however they left this other person clearly shown on my report in six places on the report. I called them back to file another complaint, I asked to have this other person completely disassociated with my record. That IS NOT ME! They said it will be another month. I called back mid-March to be told that nothing had happened and they were filing ANOTHER ticket to have this other person removed, and it would be yet another month. I called back over a month later, on XX/XX/2019 to be told that nothing has happened and they wanted to file a third request to have this person removed from my records. I requested to speak to a supervisor because I can not understand why this hasn't happened already with the two previous requests. A discussion with a supervisor takes 1-2 business days, so I am now awaiting that call.
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC. (GA)

I took my son to my XXXX XXXX XXXX and he had XXXX insurance. All of a sudden I received the 8 collection in my name and on my credit when the entire process was in his name with his insurance through work and they're apparently was some sort of issue. Long story short, I'm being charged for something I had nothing to do with all I did was drive him there.
Consumer complaint received 2019-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i have tried to contact XXXX/transunion / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
Consumer complaint received 2018-05-12
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. (NC)

On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I attempted to get a copy of my credit report due to many hard inquiries that i did not authorize. Experian online had me call a number that simply hangs up after giving all the required identity info.