davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The company is portfolio recovery I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. This letter will also serve as a notice to not utilize my phone records, or mailing address. If any negative information is placed on my credit bureau reports by your agency after this receipt this will cause me to file a suit against you and your organization.
Consumer complaint received 2019-11-21
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. (CO)

I have accounts on my credit report that asked to be removed from my account. I sent 1st letter they verified it. I sent second letter and they verified again. I know they are lying .. So how could they verifying with my accounts being froze. Also there are 2 collection agencys collecting a Dept but both agency 's are using the same account #. It's is again code for 2 collector to collect a the same Dept. They are in violation of sec 609 of my credit report and many more. I have documentation of ever step I took and response.
Consumer complaint received 2023-06-22
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. (AL)

I told XXXX and Transunion to reinvestigate this accounts Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was stated everything was complete and accurate. How is this the case? 

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 an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item 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 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Consumer complaint received 2021-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

After obtaining my credit report I found an debt from a company. I was in Prison and I was a victim of identity theft. there was know I could have done this. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 

please remove this as it is hindering me in my life.
Consumer complaint received 2019-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

My mortgage servicer has been misapplying my payments repeatedly over the course of the last 5 months. We have called and had the process reversed numerous times. Even though we have a current monthly payment due in less than 30 days ( making payment in the current month I should be paying ) they are posting them as principal curtailments and assessing late fees. This has caused multiple hours on the phone including multiple reps stating the last person who was supposed to fix the issue didn't do it. One of the occurrences took multiple calls over 2 months to fix. They have just again, misapplied my payment for XX/XX/XXXX as a principal curtailment. I can't even keep up with their deceptive math to ensure my account is where it should be and that all of my payments were posted properly. At this point, I'm also concerned for my credit which has certainly had my mortgage debt reported low and then high and then low and then high again. This is out of control. At no point have payments been made early enough for them to ever be considered a curtailment. Example, every payment for the XXXX of the month due date has been made in the middle of the previous month ( 2 payments for XX/XX/XXXX due date made during XXXX ). I have been told by their own rep it is a glitch in their system that searches and automatically does this to people. Even if their current payment is due, they will post as a curtailment to anyone who splits their payment and has money sitting in suspense until they have the full payment.
Consumer complaint received 2022-12-16
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. (PA)

i am a victim of identity theft and my identity has been stolen and used against my wishes. attached is my social security card, state id, utility bill and FTC REPORT. 

delete and block all of the mention inquires from my credit report now. these are fraudulent inquires on my experian credit report 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/2023 I received an email stating the following Account ending in XXXX Avoid interest with this balance transfer offer 0 % APR | 12 Months | 3 % Transfer Fee After that, any remaining balance will return to your 28.99 % variable APR. 



See offer details XXXX, By transferring a balance from a higher-interest lender to your XXXX account, you can save on interest and simplify your finances. 

With this offer, youll enjoy 0 % APR for 12 months 3 % transfer fee After that, any remaining balance returns to your Purchase APR, which is currently 28.99 % variable APR. Make sure your transfer posts by XX/XX/2023. Here are just a few reasons why you should take advantage of this offer I have been unable to receive this offer and then when I called XX/XX/2023 at XXXX, the balance transfer specialist told me that the offer was taken away. When I told her they can't do that, because the terms in the personal email specifically state that I have until XX/XX/2023 to make a decision, she said that's not the case.
Consumer complaint received 2023-07-25
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: CCF Intermediate Holdings LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
Consumer complaint received 2021-11-14
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: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/21 American Express declined payment to my phone company XXXX XXXX, stating that it was a fraudulent transaction of {$100.00}. Subsequently XXXX XXXX turned off my phone service. 
I then had to use my XXXX XXXX Visa to reinstate my phone service. I was shocked that Amex made such a determination. Amex said they made that fraudulent determination because I had never charged {$100.00} or more on my card! I found that an unworthy determination as I had recently received a substantial credit line increase from them. I didn't know I had to ask permission from AMEX to charge {$100.00} or more or have them decline the charge! I had to pay XXXX XXXX with my XXXX XXXX Visa to reinstate my phone service. 
I was so embarrassed! XXXX  may consider me unfavorable in the future, due to this slanderous transaction. 

Amex in XXXX tried to cheat me o ut on one of their gasoline offers. Buy {$20.00} get a {$10.00} rebate! I bought the gas the Amex told me I didn't qualify for the {$10.00}. I reported it to CFPB and was finally given the rebate
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back during the XX/XX/2019 time period my card was lost/stolen. The person who stole the card proceeded to utilize the card in the state of Wisconsin making a multitude of unauthorized purchases. As soon as I became aware of the fraudulent transactions, I filed a claim with the bank ( Capital One 360 ) and  explained what happened as well as submitted a police report as well as documents showing that I was not in the state of Wisconsin at the time of the transactions. The bank repeatedly denied the claim based on facts that either were not true or did not have anything to do with my case. I escalated the case as far up as it could possibly go but continued to get the same answer.
Consumer complaint received 2022-12-16
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. (CA)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXXL XXXXXXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXCE-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-08-17
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: SUN WEST MORTGAGE COMPANY, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

My card was blocked my Discover in the beginning of XXXX, I received a Document-sign to my email and also my transactions were declined. I called to find out what was happening ( again first or second week of XXXX ) and they explained they needed information and the XXXX was legitimate. I filled it out and completed it, they sent a letter stating it was completed and all set. I called back a day or two after completing to confirm I was all set and they unblocked my card. They said it was a normal update of information. At the end of XXXX they doubled my limit since I have done so well with on time payments and had my card for years, used this card to build my credit. All of the sudden, XXXX weeks after doubling my limit, my card is declined again. I try again, decline. I call to find out my card has been CLOSED due to lack of information. I am lost, how? I completed everything. The rep said is your current address the same as 2022? I said no, I have updated my address with you. She explains something was missing on the document and they sent an email in XXXX, I checked every fold and everything under discover for that month and found NOTHING and explained that. She said well we sent an email. I explained they sent a LETTER explaining I was all set and never received such email. I got no notice and this has damaged my credit that I have worked hard successfully on. This is wrong. I am a single mother and can use any help I can get and have never been late and always paid. I cant see this being legal. All they said was they sent it, I explained I NEVER saw or received anything and they should have sent a letter saying something was wrong if I got a letter saying it was all set. I want/wish this was reinstated, though now I would not trust my financial needs with this company since who knows what they will do WITH NO WARNING!
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MT)

On Monday the XXXX of XXXX I opened a checking account online with Citibank i deposited a {$370.00} cashiers check issued to me from XXXX XXXX the check was cleared and available the next day on XXXX XXXX I proceeded to wire transfer {$340.00} out and later that day I received a message that the transfer was cancelled it advised they could not reach me for further verification but I never received a call, email or text then later in the day I tried logging into the account again and I was locked out so I called the XXXX number and they looked into it and said that the check was fraudulent so I called XXXX XXXX and they said the check was cashed and deposited and there wasn't any problem as far as fraud so I called Citibank back and they finally got me to another dept. that after a long hold told me Citibank no longer wanted to do business with me and that I would receive a letter in and any remaining balance in 30 to 60 days i tried to explain that there must be a mistake and unfortunately I don't have these peoples names because I could barely understand them but i got no where I then went on XXXX and actually got a customer service rep from the states to call me her name was XXXX she looked into it and advised the same thing and also said 30 to 60 days and a refund if there was anything to refund I said well how could there not be a refund to the entire amount when I was blocked from having access 2 days after I opened the account? they will not tell me why they think its fraud I have offered any identification or anything else if there was doubt about who I am but i don't understand why they cashed if it was fraudulent which it wasn't now I have spoken with a number of people who are saying they do this a lot. Holding my funds for 30 to 60 days is unheard of especially when there isnt any fraud.
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA is notorious for predatory practices and allowing lenders to give false information about their customers so that they get approved for a car. 

It may seem good for people with bad credit, but they intentionally target these sub-prime customers so that they can give you extremely High Interest rates and make you have to make payments on a car that total far higher than the car is worth. 

Santander Consumer USA approved me for a car loan of a brand new car back in XX/XX/XXXX which I found out was a Lemon. 

Within five years the transmission on the car Santander loaned me had broken down totaling over {$2000.00} worth of fees to fix. Along with the car auto shutting off whenever I drove over 25 miles per hour. 

The brakes had problems and wouldnt work too well within the first week of driving the car. The car would also squeak loud whenever I turned a corner the very first week, and still does 5 years later. Along with the XXXX XXXX XXXX XXXX XXXX having tires that I had to special order online, there were 6 times I had to replace the serpentine belt. 

I am on year 6 with this car, and it just overheated and started smoking randomly on the road. Ive spent over {$580.00} just on mechanic fees this month. 

Ive also paid over {$17000.00} to Santander Consumer USA for a car thats priced around {$12000.00} to get it brand new. 

The worst part is that Santander Consumer USA only marked my total payoff balance down from {$15000.00} to {$12000.00}. 

Five years of paying car notes that total up to {$350.00} monthly ( excluding car insurance ) and my credit report is worse than it did before I had this Santander Consumer USA loan on my account. 

They also call and harass me every day and ruined my credit report by saying I was 3 months due on late payments when Ive already paid off the car. 

I should be getting a title for my car sent in for my Santander Consumer USA car loan being fully paid off, but instead Im getting harassment calls everyday from them, along with an extremely high false payoff balance and their false late payments Santander listed on my credit report made my credit report drop over 100 points. 

The amount of stress, worry, low self worth, XXXX, and feelings of hopelessness  that came from Santander Consumer USA is torturous and I just wish this car loan, would be accurate and show my loan to be completely paid off and removed from my credit report so I can live my life freely again.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Systems, Inc. (WY)

Received a notice of a debt from American Collections Systems in XXXX for a debt I did not owe. XXXX XXXX, XXXX in XXXX, WY tried to charge me for damages to a rental townhouse I rented from XXXX. Rent was paid on time and there is no dispute that rent was owed, however, months after I left the premises I was sent a charge for over XXXX dollars for supposed damages incurred by me. The damages were present before I moved in and a checkoff list with walk through was performed in XXXX when I first moved in. The carpets were cleaned but the walls had not been painted. All damages were noted at that time. Later the owner of the renting real estate group was sold to XXXX XXXX, XXXX. They, XXXX XXXX, did not perform any walk throughs with me before or after my moving out of the residence. A water pipe froze in XXXX in the garage which leaked through the kitchen wall causing the outlet to the refrigerator to burn out and shorted other wall sockets. The kitchen and living room were filled with water. I cleaned as well as I could and called XXXX XXXX who sent out a cleaner but the cleaner only sprinkled some white powder on the carpet and a few hours later came back and vacuumed the carpet. The carpet was never lifted up and this resulted in damage to the subfloor. This was the damage that I was being charged for along with other small problems noted on the original walk through in XXXX. I told XXXX XXXX and later American Collections Systems that these were fraudulent charges, but they denied this claim and notified the Credit Bureaus that I owed this debt and have hurt my credit history making it difficult to rent these last 7 years. XXXX XXXX claimed that my dog must have peed throughout the first floor and caused this damage? This should be removed from my XXXX XXXX as I did not cause any damage to the property. My next door neighbor went though the property the day before I moved and confirmed the town house was in good condition, better than when I took possession of it in XXXX.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.