davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
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: Santander Consumer USA Holdings Inc. (NV)

Reported to credit bureaus of late payments that are incorrect. We made payment arrangements with them and they reported lates. Impacted credit score dropped it 35 points and we are trying so hard to get our points up!
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WESTERN ALLIANCE BANCORPORATION (VA)

I am writing because Western Alliance refuses to tell me the routing number for my savings account. This is a surprise because I thought that all bank accounts have a routing number. Western Alliance claims that the savings account does not have a routing number because it is not a transaction account. I have not encountered a bank with accounts that have no routing number and I'd like them to give me the correct routing number.
Consumer complaint received 2019-04-08
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: Consumer Portfolio Services, Inc. (PA)

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (TX)

Upon pulling my yearly free credit report, I became aware of a collections account from AFNI, Inc on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$320.00}. I never received notification regarding the collection of this debt ( despite federal law requiring notification within 5 business days ), I never received any communication from this debt collector at all and they've supposedly had this debt since XX/XX/XXXX. This account with the original creditor was closed in XX/XX/XXXX and I reached out to XXXX in XX/XX/XXXX ( before finding out that I was in collections ) to make arrangements to return their equipment as they never at any time sent me instructions to return it and no XXXX XXXX would accept it. XXXX XXXX  ( XXXX ) never provided a final bill despite the company having my new address despite the fact that they themselves closed the account due to my new place of residence not allowing a transfer install. 

I attempted to get information XXXX to get information about any possible outstanding balances at the time I made arrangements to return the equipment, and was told that they could not provide 100 % accurate information due to it being a closed account but they guessed it would be around {$80.00} and would send me an invoice - that was not done. So, either XXXX held onto the debt and not notify me of any outstanding balance so it could be sent to collections or ANFI, Inc held on to the debt for nearly a year and half so they could reage it whenever. 

I have made multiple attempts to dispute the debt through CRA and ANFI claims that it fits the rules of the FDCPA - which does not. 

Either way, I was never notified by XXXX or ANFI that I owed any money and the exact amount I owed.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This complaint is against Bank of America. I only have a credit card account with this company, on or about XX/XX/XXXX I received an email as well as a notice in the mail from the company asking me to update my income and occupation. Reference number XXXX. The letter and email indicated that a non-response from me would be considered as a request from me to close all accounts. I responded to the company with a letter dated XX/XX/XXXX, telling them I was not interested in updated this information as I was not looking to increase my credit limit or was I interested in any other promotional offers. I have a XXXX credit line with the company and over XXXX in available credit. I have been in good standing with this company since XXXX, never missing a payment and all payments have always been made on time. However, the company has chosen to not allow me to have access to my credit account without giving me a reason why. I understand they have the right to deny me credit but I also believe that they should give me a valid reason for not allowing me to use my account and should have notified me by mail that my account was suspended, and not just because I refuse to update my income information. If my account is closed then I should be notified to avoid being embarrassed by having my card declined when making purchases.
Consumer complaint received 2019-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have continuously spent time and money writing to XXXX and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Consumer complaint received 2019-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I deposited a total of {$4300.00} in a Coinbase account from XX/XX/2019 till XX/XX/2019. Then on XX/XX/2019 I could not access my account. The following day i revived a response to my 30+ emails saying my account was hacked and they would unfreeze it within 5 days. when i was finally able to get in, half of my funds were missing and the account was still frozen until i pad them XXXX to resume trading. I refused and there days later my account was empty and they are saying i still owe them XXXX for trade fees??? I have no idea but they refuse to return my funds and are asking me to pay them to keep my account open.
Consumer complaint received 2019-10-05
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have continuously spent time and money writing to XXXX and the other bureaus regarding a Toyota account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this Toyota account incorrectly and I addressed both Toyota and the bureaus regarding this incorrect account. After several months and several written requests, Toyota AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, Toyota changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in  violation of 1681i of the FCRA and both Toyota And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.
Consumer complaint received 2019-10-05
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. (GA)

To Whom It May Concern, Early in XXXX, I checked my credit report and I was alarmed when I noticed all 17 of my XXXX student loan accounts were showing 90 Days past due. This was a surprise to me because as recently as XX/XX/2019, I requested and received an administrative forbearance that covered most of the year. I am currently in school trying to finish my first XXXX XXXX, and there has been some confusion about my status in school, which has varied from half-time and less than half-time for purposes of deferment. Multiple requests through the XXXX site and their customer service finally proved fruitful as I was granted an administrative forbearance while my records were updated through the XXXX XXXX XXXX. XXXX subsequently sent me a letter saying I was approved for the forbearance, and this document detailed the dates the forbearance retroactively covered XXXX which included the time period in question ). That letter is attached below. 

I immediately disputed with XXXX, and subsequently XXXX   and Equifax, online and sending in certified mail, with the letter proving that the lates that were placed on my credit file were in error. The forbearance letter clearly states that the forbearance is retroactively applied, and further states that no payments are required and that no payments were required for the specific time period. XXXX, even after a formal CFPB complaint, refused to remove the lates. XXXX, after a formal CFPB complaint, did. I then informed Equifax that XXXX removed the lates, as required by law, and that they were required to remove the lates as well. They have responded only updating the status of my loans but NOT removing the late payments. 

I am filing a complaint against Equifax for not following the law in removing false and erroneous information from my credit report. This has already impacted my credit score and my credit file as one of my credit accounts reduced my credit limit due to this false listing on my reports. I am hopeful that CFPB can help remedy this important matter in a timely fashion. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-09
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. (OH)

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX XXXX, Experian disregard for consumer protection statutes.
Consumer complaint received 2019-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (WV)

We went to XXXX XXXX XXXX in XXXX WV to purchase a new car for my military son stationed in Kansas. Well needless to say that my husband and I are both XXXX with limited income and this was all explained to car lot. Well we got a XXXX XXXX XXXX that we really didn't want but we were going to Missouri to see my son and he needed a vehicle to go on to XXXX XXXX well payments were {$500.00} which was alot higher than we asked for and they put the car in our name not my son 's so it went on our credit. We put {$2000.00} down of my son 's money and he paid {$500.00} monthly till he came in on leave. We went to car lot to trade the car in for a vehicle my son wanted well they wouldn't take the car on trade because they'd lose money cause car we were paying way over what car was worth I volunteerily surrendered the car to Santander and they sold it for over XXXX We had paid over {$8000.00} already so they wanted XXXX more and I said no the car wasn't worth that and they agreed to drop it and it was off my credit report for months and then all of a sudden it's back on there and they are calling us after over a year of not bothering us. This company and car lot have been in trouble before on getting outrageous loans for people who can't afford them so they make a profit. My husband has XXXX XXXX and is not compent to enter into loans they were aware of this but guess whose name is main principal. So that's illegal and we've lost enough money over this we just want it off our credit.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX of 2016 I signed a contract with XXXX XXXX XXXX XXXX for my account to be automatically drafted {$25.00} a month plus and taxes. I never changed bank accounts or debit cards but some how there was a problem with there system and they did not draft my account for 9 months. In the nine months no one called to inform me my account was pass due. I did not receive a phone call, letter or email informing me of the problem. In XXXX XXXX XXXX XXXX drafted my account for {$240.00} then again another {$200.00} then attempted to charge another {$90.00}. I called XXXX XXXX XXXX and asked to speak with a supervisor and I was informed one would call me the next day due to them leaving @ XXXX. Called a second time the next day still no one would let me speak with a supervisor I left a voicemail asking again for a return call. I then emailed the company still no return call. Posted a statement on there XXXX page someone told me to try to call again and I did. Still no return call. I called bank of America and informed them of what was going on and they submitted a dispute and stopped the payment of {$200.00} and {$90.00}. Then credited me back the {$240.00}. After they got in touch with XXXX XXXX XXXX they are going to reverse the decision stating that I signed a contract. I never was stating that I didnt owe the money since it was an error on there part I wanted to work out some type of payment arrangement to get my account up to date.
Consumer complaint received 2019-08-28
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. (OH)

I am in received some letters from XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2019-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that US BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX Equifax, XXXX disregard for consumer protection statutes.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Allegedly, I signed a lease online with an apartment complex by the name of XXXX  XXXX XXXX in XXXX, FL. 

IQ Data International placed a collection account on my credit. I contacted the company and was informed that IQ Data International was contracted with XXXX XXXX XXXX. I contacted IQ Data International in XXXX of 2019. I requested the following : 1. A copy of the lease from XXXX XXXX XXXX. 
2. A price breakdown of what I owe XXXX XXXX XXXX. 
3. A letter stating that once paid in full the collection account will be removed from my credit. 

IQ Data International has not produced any of the three. I spoke with a man named XXXX who proceeded to ask me for my address but, claimed that IQ Data International was contracted with the original creditor, XXXX XXXX XXXX. IQ Data International falsely  represented themselves, harassed me, threatened to sue me, and falsely claimed to be contracted with XXXX XXXX XXXX. IQ Data International constantly calls the phone number they have on file to harass me about paying them because I blocked their number.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

About two weeks before the end of XXXX of this year I went to Allied Cash Advance for a loan of {$250.00}. I did the necessary paperwork and received the {$250.00} On XX/XX/XXXX I went to payoff this loan and was charged a total of {$430.00} for this XXXX loan. I believe this was excessive for a loan of less than two weeks in length. Later that evening of XX/XX/XXXX I went on line to make an inquiry with Allied Cash Advance about this high processing fee. To date I never received a reply.
Consumer complaint received 2019-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have 16 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to permanent XXXX. The new accounts reflect current and a 0 balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Transunion on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. These accounts need to be removed.