davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

I, XXXX XXXX entered a consumer credit transaction with Santander Consumer on XX/XX/XXXX, which involved a finance charge pursuant to 15 USA 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Santander Consumer has been collecting monthly payments from me since XX/XX/XXXX which is in violation of 15 USC 1605 also Santander Consumer failed to disclose to me my right of recession and provide me with the appropriate form to exercise my right which is in violation of 15 USC 1635. On top of that Santander Consumer, is in violation of 15 usc 1692e ( 11 ) because no one informed me that this is an attempt to collect a debt in the initial communication. Also, Santander Consumer is in violation of 15 usc 1692f ( 8 ) unfair practices, because Santander Consumer 's Logo/ their symbol is on the envelopes. Santander Consumer is also in violation of 15 usc 1692g ( 3 ) because they failed to inform the consumer ( me ) of the opportunity to dispute the validity of the alleged debt within the proper time frame. Santander Consumer threatened to harm my reputation by reporting my payment or missed payments to the credit bureau which is in violation of 15 USC 1692d ( 1 ) .Santander Consumer is in violation of 15 USC 1692d ( 2 ) by using profanes and obscene language. Santander Consumer is in violation of 18 usc 1342 by using the mail to device artifice letters. Santander Consumer, is in violation of 15 usc 1692e ( 2 ) by falsely representing the character and amount of alleged debt.

In the attached documents you will see exhibits that support my claim. This is detailed information and my demands are clear and concise, 1 ) have a knowledgeable representative look over my complaint, 2 ) don't allow Santander Consumer to send a generic or vague response or respond to me directly 3 ) have Santander Consumer Report to me here for my record. I Grant Santander Consumer and the competent representative to respond via cfpb. 4 ) Hold Santander Consumer to the highest standard of the law and don't allow them to just reply with anything and close the complaint. As a federally protected consumer under the title 15 chapter 41 my rights have been violated and Santander Consumer is criminally liable pursuant to 15 USC 1611 and also civilly reliable pursuant to 15 USC 1640 and 15 USC 1692k.

I mailed ( certified mail ) Santander Consumer a debt validation letter and a cease and desist along with and opportunity to correct their abusive acts/ practices in the form of an invoice on XX/XX/XXXX all I got was the fraudulent contract. I also mailed ( certified mail ) a notarized affidavit of truth and the exhibits also an invoice to Santander Consumer on XX/XX/XXXX, XXXX.I 'm sure by using your rights under 12 usc 5531 you will hold Santander Consumer reliable for prohibited unfair, deceptive, and or abusive acts or practices.
Consumer complaint received 2020-04-22
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. (NY)

im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is incorrectly reporting a 30-day late on my credit. I have made payments in a sufficient amount of time. I have attached proof of my payments from my checking account. You can see the date, payment amount, payable to Bank of America and MORE than enough funds to cover. Please rectify this late payment immediately with no delay.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE sent me a collection letter dated XXXX claiming I owed an unpaid debt of {$14000.00} on a credit card # XXXX, which I never received from them, or ever used. 
On XX/XX/XXXX, I requested CAPITAL ONE provide me proof of such debt. CAPITAL ONE replied in a letter dated XX/XX/XXXX stating they could NOT provide any proof, giving NO reason about why, but asked me to call the bank directly. 
I spoke on 3 occasions by phone on recorded calls with Capital One employees, during which I was never offered an explanation of why proof of such debt could not be given. I wrote again on XX/XX/XXXX to CAPITAL ONE demanding proof of such debt be provided, and a list of transactions or charges made by me. 
In response, I received two letters from CAPITAL ONE, one dated XX/XX/XXXX and another dated XX/XX/XXXX making completely contradictory statements about the origins of this account. As follows : 1 ) The XX/XX/XXXX letter stated : " The application that you refer to was taken over the phone or the internet via computer or mobile device. so, unfortunately we don't have a paper copy to send you. '' 2 ) The XX/XX/XXXX letter stated : " According to our records, we received your application by Mail on XX/XX/XXXX and your account was opened on XX/XX/XXXX. The last charge billed to your account was on XX/XX/XXXX in the amount of {$52.00}. Your last payment received on this account was on XXXX in the amount of {$400.00} '' I pursued this matter further, asking again that CAPITAL ONE bank clarify this debt and provide me the requested proof of debt, or any proof of account activation, or a copy of statements showing charges made by me on the account. I sent three letters dated XX/XX/XXXX ( 4th request ), XX/XX/XXXX XXXX XXXX request ), and XX/XX/XXXX asking for this information. It was never provided. 
After sending six separate written requests for the most basic information about this debt, and having received none of the information from CAPITAL ONE that I am entitled to, I can only conclude that it will not be provided for unknown reasons. CAPITAL ONE has failed each time to provide me any proof of the debt, such as the following items : A credit card agreement signed by me. 
Any application filled out by me, sent via regular mail or via internet. 
Proof of any record of an application taken over the phone. 
Proof of any account activations. 
Itemized list of any transactions with dates, or charges, made by me to the account. 
This situation has harmed my credit score and credit eligibility for years now. Over time, I have seen my credit limits lowered, and interest rates increased for no reason other than the existence of the CAPITAL ONE derogatory entry in my credit report with the 3 bureaus.
Consumer complaint received 2023-02-08
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. (CT)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (WI)

XX/XX/2021 Someone on the behalf of Midland Credit Management has contacted someone i knew and described there self as an authority. I have complained numerous times about this company and their false debt that I allegedly owe. I can not sleep at night because the harassment.
Consumer complaint received 2020-10-26
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 (GA)

Capitol one did a hard inquiry after sending me notice that I was pre-authorized to refinance my car. Webpage advertises no impact to credit. They did not advise that even though I was a current customer that they would be doing a hard pull on my credit, this resulting in an inquiry on my report. I would like it removed from all three credit bureaus. I did not authorize a hard pull nor was I advised
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/year>, I initiated a {$64000.00} ACH transfer from my Marcus account, which was successfully processed. However, unbeknownst to me, Marcus froze my account immediately after this transaction without any notification.

When I attempted to make another scheduled ACH transfer for a bill payment with a third party and provided Marcus ACH information, it was declined when third party tried pulling funds from Marcus account due to my Marcus account being frozen. I only became aware of this issue on XX/XX/year>, a week after when my biller notified me that my payment was returned with the reason " Account Frozen. '' Upon contacting Marcus on XX/XX/year>, I was informed that my account had been frozen due to the large ACH transfer on XX/XX/XXXX. Marcus failed to notify me of this account freeze through any means - no email, no letter, no phone call. This lack of communication is unacceptable and has caused significant issues.

As a result of Marcus 's actions and lack of notification, my reputation with my merchant has been damaged, and my third party account status has been downgraded. This has caused me unnecessary stress and potential financial repercussions due to returned payment. 

When I opened a case on XX/XX/year>, the representative, XXXX, handled the situation poorly. After verifying that the XX/XX/XXXX payment had gone through, he seemed disinterested in resolving my issue. His only response to my concerns was a perfunctory " I apologize, '' which did nothing to address the problems caused by Marcus 's actions.

This experience has been extremely disappointing and has shaken my trust in Marcus 's ability to handle my finances responsibly and communicate effectively with their customers. 

The case # XXXX was opened with XXXX on XX/XX/year> @ XXXX.
Consumer complaint received 2021-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

XX/XX/2020. I received notice that Myfedloan.org would be taking over my loan for my son 's college tuition from Mycornerstoneloan.org. I created an account. The next time I tried to log in it gave me an error and said information did not match. I called the provided phone number and was told my birthdate did not match. I was told to fax my driver 's license. I have faxed my D/L on XXXX, XXXX, XXXX and XXXX. I have also mailed it. I received one e-mail on XXXX which stated they received my request. Still does not work. I have called 10 days or so each time after faxing my D/L. Still no luck. I have literally spent hours on the phone trying to get this resolved. This is some kind of error on the part of the loan company and there is no way I should have had to spend so much time and energy trying to get this fixed.
Consumer complaint received 2018-07-21
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)

For the past 6 months I have contacted both Experian and XXXX to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, Experian still has one account remaining on my credit. XXXX XXXX XXXX XXXX  and XXXX still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX  and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report NumbeXXXX XXXX
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (TN)

XXXX XXXX  repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for XXXX. We contacted our insurance and they fixed the problem and paid XXXX XXXX  the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Thank You.
Consumer complaint received 2020-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DocuPrep Xpress (FL)

They contacted me via phone claiming they could help me pay off my loan with federal government help. Then only got my debit card for payments each month, for 5 months each year, but the card was already canceled. The reason for the report is I received an e-mail from the U.S. Department of Education about Suspicious Activity on Your Student Loan Account. This company already had access to my information and had reset my FSA account and had access to how many loans I have. They had the last for digits of my social security number as well. I was told by the U.S. Department of Education. Stating " we believe you may be working with a third-party company that is charging you or will charge you a fee for a service that is offered for free through the U.S. Department of Education ( ED ). '' They somehow had access to all my loans just by using my e-mail, name, and address. They showed me a screenshot of all my loans. I now feel that I was scammed and compromised. They had me fill out e-documents I no longer agree with and revoke all access to my accounts.
Consumer complaint received 2023-01-18
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: Consumer Adjustment Company Incorporated (TX)

An online loan was approved with my SS # on XX/XX/18, all the information used was not mine. Info used ... ph # XXXX, email XXXX, state TN. The amount of the loan was {$420.00} a {$75.00} was added for a total {$500.00} now. 

XXXX XXXX XXXX # : XXXX, I made a request to have this discrepancy removed seeing that it was fraudulent, but I was directed to XXXX and told to file a report. 

I have no documents because this account in collection is not mine, I did not apply for the online loan. 

The current collection agency is... 

CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2020-11-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2020-12-08
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: JPMORGAN CHASE & CO. (TX)

JPMCB HOME XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : Chase failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, Chase failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with Chase. 
ursuant to the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, Chase is required to : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : Chase must pay a {$4.00} XXXX penalty to the Bureaus Civil Penalty Fund.
Consumer complaint received 2018-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MS)

XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

In XXXX, i was informed that someone was trying to use my card despite the fact that I hadnt seen my card in months. I was told not to worry and that i would receive a new card. While waiting on a new card, my bill was due, and I could not pay it. I have screenshots of the app that I use to pay my bill telling me that my balance was XXXX and I couldnt pay it. However, I never received my new card and was charged a fee. Now my account is over my limit, making my minimum amount due about 4 times higher than normal. The next month i attempted to call them to report this because it wasnt my fault they were experiencing issues with their app, and she said they were having issues at their headquarters so she couldnt even use the computer to pull up information. This caused another month to go by, and i wasnt going to pay {$200.00} where i would normally pay XXXX $ for something that wasnt my fault- so now thats TWO missed payments because theyre having difficulties, and its showing up on my credit report, and anytime i call them, no matter which device i call on- the automated system can not hear my responses or when i dial a number to indicate a response- and neither can the live representatives. My next payment is due TODAY & I will have another missed payment and increase in minimum payment. My credit score is suffering, and my minimum payment is over {$350.00} now, because theyre having difficulties.
Consumer complaint received 2020-11-15
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: Navient Solutions, LLC. (MI)

Navient charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by XXXX XXXX, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.