davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MN)

I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment. 
Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX. 
Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done. 
I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue. 
I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.
Consumer complaint received 2019-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (AZ)

I received a collection notice dated XX/XX/XXXX from a company named CBCS for a medical bill from XXXX XXXX XXXX XXXX Hospital in XXXX, AZ. for {$100.00} for services on XX/XX/XXXX. I contacted the hospital and they did not have any record of the charge with the account number listed on the notice.The account # liisted on the notice was XXXX. We did have two payments for that amount to XXXX XXXX 's last year in XX/XX/XXXX and XX/XX/XXXX, but they were paid. There was a previous fraudulent claim action against this company in which they paid over a million dollars to the FTC for this same type of action. These companies should not be able to continue to bilk consumers out of their hard earned money this way.
Consumer complaint received 2018-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

For more than fifteen years, I have had a municipal bond account with Citizens Bank in XXXX, Rhode Island. Several years ago all my bonds matured and I had approximately {$40000.00} sitting in an account. I met with a Citizens representative at the XXXX branch office and discussed new municipal bond purchases. I questioned the representative about fees that he would receive, He explained his commission. I bought {$40000.00} of new municipal bonds. 
Several years passed. 
XX/XX/XXXX, 2017 I received a letter from Citizens informing me there was a {$75.00} annual fee for managing my account. If I did n't pay, they informed me, they would withdraw the money from my account. 
I called the information number. They told me the fee had previously been charged only to accounts under {$10000.00}, but it had been changed to under {$50000.00}. The person told me I could complain to a second phone number. 
I called the second number and left a message/ They returned my call and left me a message with the same information. 
The {$75.00} fee amounts to theft. They sold me a product for a price, and I bought it. Then they changed the price, siphoning off {$75.00} a year for the life of the bonds, reducing the value of the product I bought.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (FL)

I have attempted to have account disputed on XXXX.17 creditor is unable to verify debt in its full truthfulness. This is a violation of my HIPPA rights as this debt collector is not entitled to collect on a debt in the state of Florida.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (TX)

I signed up for a specific XXXX XXXX cable service many years ago. In order to receive this service I needed a specific cable box. The cable box took three months to arrive at my property and was told repeatedly by their customer service agents that may account would be credited for the charges up to when I received the cable box. I did not pay the charges because I was suspicious that I would actually receive the credit. When the cable box finally arrived my account was not credited ( attempting to get the credit was a long and excruciating process as well. XXXX was very rude, and it took multiple hours of my time ). This debt was actually posted on my credit report, and I disputed it through the credit reporting agencies. The debt was then removed from my credit report. However, XXXX continues to provide my information to debt collectors to attempt to collect this debt.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (VT)

When i Opened the account, I did not realize the account got zero rewards. So the account is essentially a dud and has zero benefits, unless i want to be late all the time and get the no late fee benefit. When i called customer service upon the account being about 4-6 months old, I was informed i needed to wait until it was 12 months, at which time i could convert over to a rewards card. 

I called customer service today and was told this was a lie, that i would have to go open up a brand new card, further lowering my credit score with both an inquiry and a new account opening. This new story is a polar opposite from what was previous given to me for information, and further online research shows other card members are able to convert there cards.
Consumer complaint received 2018-01-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: LICTY, INC. (NC)

Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Account number XXXX is and has been reporting as a collection on my Equifax report in XX/XX/2019 for {$650.00} and was updated in XXXX. I called them and was not provided any information. I also completed a police report. this wrong information has impacted my credit worthiness.
Consumer complaint received 2018-01-01
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. (TX)

I have attempted to remove attorney general office reports related to my child support. The texas attorney general office continues to report inaccurately past payments being missed without confirming with my former spouse because they do not receive the payments through their office. I am a XXXX XXXX and pay my x directly more than what is ordered even. So my question and complaint is that if my X is not reporting that she is not being paid then why are they reporting to my credit reporting agencies. She then has to fill out an affidavit to report the payments and when they were received because if not they will show a XXXX balance but continue to report the missed payments.
Consumer complaint received 2018-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had to put a freeze on my credit in 2017 after someone had stolen my identity. I am now trying to purchase a home and am having a great deal of difficulty with Transunion in terms of getting a PIN number to release the freeze. I have contacted the company numerous times over the last month to have my PIN sent and am always told I will receive it within 3 to 5 business days. That does not happen. Every time I contact someone my call is directed to a switchboard in XXXX ( not a problem ) and there is a slight language barrier. I have had the folks repeat my mailing address back to me and it is indeed correct but to my great frustration I never receive the information I request or any paperwork at all. I have been informed that they can not fax, can email, nor can I pay to have it overnighted. I need a resolution to this issue soon and do not want to take legal action.
Consumer complaint received 2018-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

CoinBase Has locked my account, I can not buy/sell or transfer crypto currency.  I owe XXXX dollars on the account and it is in good standing.. I have been trying to contact them for almost a month and I did not get my emails answered. I called them today and spoke with a woman she said she was going to escalate it.  And that she is sorry.. This is unacceptable to be holding my money like this.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed my checking account due to an issue with the USPS putting a hold on mail to my recently purchased home in error. I received notice to update my address from BoA which I did through the banking App - which resolved the alert I saw when logging into the app. Several weeks later, On XX/XX/XXXX I logged into the app to notice my checking account was not showing. I called Bank of America and was notified that I was being mailed a check for {$20000.00} in regular post to the very address on the account they were having mailing issues with. ( I did not figure out this issue with USPS until mid XXXX ). Bank of America is unwilling to place a stop on the first check and reissue a second check instead saying that I must wait a full 120 days to request a new check be issued. This account had regular direct deposits from my employer and clear autobill items for my car loan and credit cards. This issue has caused my wife and I serious financial hardship, late payment fees with other cards and loans, and put our ability to pay our newly acquired mortgage at risk. BoA made little to no effort to reach me prior to this closure and has done nothing to assist me since. Please help. My only option is to wait until XXXX to request they try to send another check by regular mail.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions NEW XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. XXXX XXXX
Consumer complaint received 2017-09-13
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. (KS)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX