davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (OH)

In reference to SANTANDER CONSUMER USA recent CFPB response dated for XX/XX/XXXX, XXXX SANTANDER CONSUMER USA states that " We have reviewed the account and we are unable to locate communication with you on XX/XX/XXXX. '' Attached to this complaint is all evidence of the correspondence between myself and SANTANDER CONSUMER USA. Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. Also Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. A copy of the the original receipts from the USPS confirming the proof of mailing and copies of the USPS tracking information confirming the proof receipt from SANTANDER CONSUMER USA has been provided for review for the CFPB and SANTANDER CONSUMER USA as well. SANTANDER CONSUMER USA agreed to terminate the previous agreement with me and to remove the alleged lien on said property : XXXX XXXX XXXX Vin number # XXXX in the XX/XX/XXXX agreement. SANTANDER CONSUMER USA agreed on these term XX/XX/XXXX.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I sent a letter to Experian on XX/XX/22 telling them. 
This Letter is a formal complaint that you are reporting inaccurate and incomplete credit. 
Please, I request that you delete all the names and addresses, jobs and phone numbers that I have written in this letter because I do not know these names by mistake and have never lived at these addresses and have not worked at this job. in that year and I do not know these phone numbers, by law everything that is not mine and unknown and errors must be removed from my credit report, please, therefore, it can be fraudulent and they were not all eliminated in their entirety here I tell you the ones that were not eliminated. 
Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPT OF ED/XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2019-02-26
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 (MA)

3 different loans. Two of them are capital one credit cards and the other is a student loan. 

Capital One Bank Usa Na 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX Capital One Bank Usa Na 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX 3 missed payments XXXX : XXXX, XXXX, and XXXX
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX 2016 Synchrony Bank ( toys r us ) took {$69.00} from my bank account without any authorization whatsoever. Upon confronting them about this they informed me that they will refund the {$34.00} overdraft fee that I will incur from my bank by paper check in 2 to 3 weeks. But they refuse to refund me the {$69.00} that was stolen from my bank account. They just keep repeating that they " cant '' refund what they stole from me.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam. 
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this company.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

I am a XXXX subscriber for both cell phones and FiOS, and have been for some years. XX/XX/XXXX, I planned to initiate XXXX XXXX XXXX in XXXX only to receive military orders to XXXX in XXXX. I explained that I had received military orders and that I had to cancel my planned XXXX XXXX installation through XXXX Customer Service, which properly processed the cancelation according to federal law, specifically the Soldiers and Sailors Relief Act of XX/XX/XXXX as amended. I was assured that the cancellation was successful and that I owed nothing. In fact, I never received any XXXX equipment, nor did I ever initiate service, nor did I ever have an installation performed, nor did I ever lease the apartment I had anticipated having XXXX XXXX because of the military orders I received. All was well. Upon arriving in XXXX, I contacted XXXX XXXX to contract for service, schedule installation, and open an account. That installation and contract proceeded very well and I had no complaints or issues. However, by XX/XX/XXXX, XXXX began billing me for the amount of {$1200.00} falsely alleging that I had not canceled service and falsely claiming I had received equipment that I did not in fact ever receive. I spent many hours on the phone with XXXX, especially after XXXX improperly reported me to the credit bureaus as having been delinquent in my payments. In fact, I had a XXXX account, and my payments were current, and the account in XXXX had never been opened and was canceled properly under XXXX and federal law. I even sent a copy of my orders to XXXX, which apologized profusely XX/XX/XXXX and removed the account from my credit report and ceased improperly billing me. I have had no issues for nearly a year. In XX/XX/XXXX, I received orders to return to XXXX, and I transfered my XXXX XXXX account and all my XXXX equipment with me. I am a current XXXX customer in good standing. This bill that I am being presented by Southwest Credit is in error, and XXXX knows very well that I do not owe and that this account was never opened. If XXXX sold this account to Southwest Credit, XXXX did so in violation of its own policies, in violation of XXXX law, in violation of the Fair Credit Practices Act, and in violation of the Soldiers and Sailors Relief Act. This is an illegitimate bill and Southwest Credit is engaged in debt collection fraud in attempting to collect on an amount I do not owe. This is outrageous and Southwest Credit continues to call me despite being told to desist and that I do not owe anything. I want Southwest Credit to desist from attempting to collect this fraudulent debt, and I want Southwest Credit prevented from attempting to extort me by reporting this illegitimate debt to credit bureaus. XXXX has a terrible reputation for engaging in such business practices, as does Southwest Credit, and I want both companies to be admonished and to cease attempting to collect this illegitimate debt.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I went to a website XXXX to make a purchase, when checking out all looked normal I used PayPal and my credit card, the site did not add tax, I noticed, then asked to describe item I was purchasing so I did, I thought that was weird. Then shortly after completing I went to PayPal noticed this amount was listed as a Friends and Family transaction. I did not authorize that type of payment to my knowledge. I instantly filed a dispute with PayPal. Then PayPal allowed the charge to process and said it was not a covered dispute transaction. I then was directed to notify XXXX card who is also refusing to allow a dispute of the transaction. PayPal was notified within minutes, if the transaction on XX/XX/22 and XXXX as soon as I saw charge went from pending status XX/XX/22.
Consumer complaint received 2022-08-09
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. (CA)

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX XXXX and Experian. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of XXXX usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HYUNDAI CAPITAL AMERICA (NY)

The lease on a XXXX XXXX XXXX ended on XX/XX/XXXX. Due to the Covid19 pandemic the dealers were closed, and i was unable to return the car on time. I did pay for an additional month. I finally reached a person at XXXX XXXX, and returned the car on XX/XX/XXXX. The dealership was still closed at the time. Due to covid 19 my wife and i were not about to go looking for another car. We did not even go to the supermarket. We had food delivered from XXXX. We did not visit friends. For a year we pretty much went nowhere. We both have health issues. A year later i get a notice from XX/XX/XXXX that i owe {$460.00} because i did not lease another car within 60 days of lease end. If i had leased another car i would not owe the money. This seems like extortion or coercion. Since my wife and i were both fully vaccinated, and the virus has eased, we did lease a XXXX XXXX on XX/XX/XXXX. XX/XX/XXXXXX/XX/XXXXstill wants the {$460.00} because it was more than 60 days from the prior lease end. Can you please help. Thanks.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central FInancial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: All State Credit Bureau, Inc. (MI)

This is a complaint related to other complaints I have already submitted. 

Case numbers of the related cases are XXXX and XXXX. 

As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.
Consumer complaint received 2015-10-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (NC)

XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Consumer reporting agency is continuously furnishing accounts incorrectly and fraudulently. 

Charge offs are being furnished and updated when income is not to be furnished on the consumer report. 

Needs to be reported as PAID IN FULL / PAID AS AGREED This is violation of The Privacy Act of 1974.
Consumer complaint received 2023-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (IL)

Ive tried contacting Exeter and they told me to submit my documents and I did numerous of time. I truly believe Exeter has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back 6 minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back two hours later I got a different representative I stated my case, and she put me on hold for about 9 minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (FL)

My debit card was hacked and the perpetrators racked up over {$500.00} on my account. I immediately called and reported the unauthorized transactions to the card issuer the same day and was told I needed to wait until the transactions posted. I called the next day when they posted and was told I would qualify for a provisional credit if I sent a written statement disputing the charges. I sent the statement via email that day which was a Saturday and also advised I would be filing a police report with local law enforcement. When I called to file the police report, I was told by the XXXX XXXX XXXX XXXX XXXX that I needed an affidavit from the card issuer to prove I disputed the charges. I called the card issuer back and requested the affidavit and the customer service representative said he would send it to my email. After waiting over 2 hours for the email, I called customer service again and they said they have to finish their investigation before sending any documents or crediting the provisional refund and their investigation can take at least 10 business days. They are obstructing justice and hindering my right to prosecute the criminals that stole my money.