davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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 — Investigation took more than 30 days
Company: Southern Auto Finance Co (SC)

I have a charge off that keeps reporting different amounts to each of the credit companies the account name if safco. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
Consumer complaint received 2017-12-26
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. (LA)

i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account
Consumer complaint received 2017-10-03
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 (CA)

A while ago I applied to the XXXX Credit card which has a annual fee of XXXX dollars (1st year waved). I was not using my credit card as much as I originally thought when I first got it, so I decided to downgraded it.I called in before the annual fee was charged and was told by the costumer service representative that I needed to wait a full year and to get the annual fee posted so that they can downgrade my credit card to one with no fee, and not to worry about the annual fee since they could reimburse it or waived when I downgraded the card.So I follow his instructions and called in on XX/XX/XXXX (2 days after the annual fee posted) to downgrade my account. I asked once more if the annual fee was going to be reimbursed or waived and they told me the fee will disappear in a couple of weeks.Today is XX/XX/XXXX and the fee hasn't disappear. I called in and I was told they could do nothing about it and that I was my fault and I should be held responsible for that. So basically I paid XXXX  dollars for an annual fee of a card that I was able to use for less than 2 days.I feel like I was deceived twice by their costumer service representatives by misrepresenting information and now I have to pay for that. They costumer service representatives are really poorly trained, they misquoted their terms and conditions in every single interaction I had with them.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation
Consumer complaint received 2022-03-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I checked my credit report, when purchasing a vehicle. checked to find I was a victim of I.D . theft I filed a report. With F.T.C. and local police. And sent all to C.R.A. and usaa credit card account still remains in my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX, XXXX  and XXXX  credit reporting agencies Fraud department that USAA reported to them that they had proof that I opened the account. Account Info Hover over labels for more details Account number XXXX account status Closed Date XX/XX/2020 opened XXXX Account type Credit Card - Revolving Terms. I have never opened an account with them. I need this resolved and removed from my name
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XXXX confirmation # XXXX, and XX/XX/21 with confirmation # XXXX still referencing the bankruptcy. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.
Consumer complaint received 2020-10-06
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. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX and Equifax are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Dear Sir/Madam, I opened an HSBC Advanced checking account on XX/XX/XXXX because of a bank promotion of sign-up bonus of {$350.00} upon completing all qualifying activities. I completed all the required activities and the bank did not deposit the bonus in my account per the published timelines. After following up for several weeks, I was told that I could not qualify as I had an open Home Line of Credit with them in the past 3 years. 
This is not true as I requested to close this account in XX/XX/XXXX during the refinancing of my home and I have paperwork to support it. For some reason, HSBC made an error and it does not shows up as closed in their system until much later. I am getting penalized for bank error as I moved {$10000.00} from an interest bearing account to HSBC checking account with no interest with an expectation of getting the sign-up bonus. 
I will appreciate if you could help me resolve this matter. 

Thanks,
Consumer complaint received 2017-10-02
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 (CA)

In XX/XX/XXXX American Express had a promotion that stated if you get an XXXX XXXX XXXX XXXX and spend {$3000.00} in the first 90 days they wouldcredit your XXXX XXXX account with XXXX XXXX XXXX bonus points. I applied and received the card and met the spendingf threshold on XX/XX/XXXX. 

I contacted AE on XX/XX/XXXX as it had been 8 weeks sincemeeting the threshold and enquired why my points had not been credited to my XXXX account. I was informed I had to wait 6-8 weeks before it was credited. AE told me that they had opened an internal investigation and that I would have to wait anothe 6-8 weeks for the investigation to be conducted. on XX/XX/XXXX I contacted them again and they told me it was being investigated. On XX/XX/XXXX I contacted them again and now was tols 7 - 8 weeks for the investigation.On XX/XX/XXXX I contacted them and AE told me that the " specialists '' had identified the problem and that my XXXX points will be credited " some time in XX/XX/XXXX ''. On XX/XX/XXXX I contacted them again and was told that I will received the bonus points " sometime in XX/XX/XXXX ''. On XX/XX/XXXX still no points and still getting the run arround from American Express. They are still not providing me the promised points and still not providing me with an outcome.
Consumer complaint received 2017-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, I asked Equifax to conduct an investigation of accounts that are reporting inaccurate information on my credit report. Nearly XXXX months have passed, and I have yet to hear back from them.
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc. (KY)

I have contacted GLA on numerous occasions via mail and certified mail and they refuse to acknowledge me or any wrong doing. They are reporting to my credit reports a collection for a bill that was never billed to me. I have never received a bill from this provider and given the opportunity to pay. They have illegally obtained my name from this provided and have violated my HIPPA rights. I would like to see my signed signature stating I have released these records to this company to pursue payment. I have disputes through the credit bureaus and they have also refused to remove from my reports.
Consumer complaint received 2017-03-06
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

I have sent in total {$800.00} Venmo. Venmo cancelled these transactions but instead of returning the money to the Debit cards they are holding the money hostage and they are trying to force me to send them private information like bank statements, passport over unsecured environment - emails. I told them I do n't agree with it and they just closed my support case. If they think those transactions are fraudulent they should have reversed the charges., they are trying to confiscate the money.
Consumer complaint received 2022-03-10
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021 XXXX XXXX. XXXX XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (GA)

I Wrote to EXPERIAN ON XX/XX/2020 AND XX/XX/2020 asking for help to correct some items that are reporting on my credit report. that are not mines
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C (TN)

On XXXX XXXX, XXXX, Stenger & Stenger sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, Stenger & Stenger PC are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. Stenger & Stenger is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc. (MA)

On Monday evening XX/XX/XXXX I was awoken @ XXXX by a loud knock on my door. My husband opened the door and was told by 2 men with a flatbed truck stating that they were here to REPOSSESS my XXXX! We called XXXX for assistance as we were well aware that my GM payments were up to date. Upon further investigation we were told that they were to pick up a XXXX XXXX XXXX. I explained to them that I returned this vehicle XX/XX/XXXX and leased a newer one. The 2 men accepted this explanation and left without incidence. 
I went to work the following morning @ XXXX after no sleep, due to this intrusion in our lives. I called XXXX XXXX later that day and was told that someone would get back to me, Later I was told the vehicle in question was actually on their lot in XXXX! I asked them to fix the situation and get my name off the vehicle. I was told that " due to covid GM is busy and delayed with all functions. '' I called again Tuesday night for update and was promised someone would get back to me on Wednesday. It is now Thursday evening and I still have no resolution to this problem. The car in question has been on their lot since XXXX, long before Covid! They apparently did not do their job properly! When will this be resolved and will I have to be checking with the credit agencies next? 


I have called both companies multiple times without resolve. now my credit is compromised. As of XX/XX/XXXX my credit # has decreased by 66 points.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.
Consumer complaint received 2022-03-10
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. (GA)

On XX/XX/XXXX, I sent a letter to Equifax about inacurate information being reported on my credit report. I never received a response from them On XX/XX/XXXX, one of the account that was disputed was deleted from my report due to inaccuracy, however, on XX/XX/XXXX, the same account was added to my report without me receiving a letter informing me of the reinsertion.
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (VA)

Hello we had just moved to XXXX at the time of purchase as we were in need of a vehicle to get to work and back. On XXXX XXXX XXXX we we t to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to look for a vehicle to trade our current in for. We found a XXXX XXXX XXXX that we felt safe in and took the step forward. We put {$500.00} down and traded our XXXX in towards the purchase. The loan we got was through Santander Consumer USA and the interest rate was 24.8 % and at this time it was our first purchase of a vehicle ever ... So the interest didnt sound terrible. 
Over the first 36 months we were only late by 30 days on 3 payments and paid $ XXXX. After 3 years it seemed our principal had not moved much at all. When we moved to XXXX in XXXX we could not afford the vehicle anymore ... We let it be taken back after daily calls, harassing messages and misleading information being given. 
After recently looking into USURY laws for the state we realized that the state maximum for XXXX is 10 %. We have tried working with them but after realization of being overcharged for interest and for each payment having {$300.00} of the {$370.00} go to interest, we feel taken advantage of. This has gone into our credit for a debt of {$13000.00} being owed now, without us knowing what it was sold for at auction. A law suit may be the only other option but we are hoping things can be settled this way.
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I received a mortgage loan from TIAA Bank ( at the time the name of this bank was Everbank ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to TIAA Bank. Since that date, XXXX has continued to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted TIAA bank to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.