davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2018-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in my life.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WI)

Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

Today on XX/XX/2022 I logged in to my XXXX XXXXXXXX account to accept a offer I received in the mail for a increased credit amount on a new credit card, as I was reading the many options XXXX XXXX  has to help with shopping managing my account ect..I clicked to register for automatic credit report monitoring by XXXX  XXXX, also I was curious what was my new score than qualified me for a higher credit limit...

Now when I see my credit score it went down alot in Just a few days ... I felt something must be wrong.. 
XXXX XXXX was able to show me any debts or accounts I have or have had.. 
I never had or have an American express card .FURTHERMORE, NONE OF TGE DEBTS IM SEEING ON MY REPORT WERE CREATED OR DONE BY ME..
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.
Consumer complaint received 2015-03-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.
Consumer complaint received 2015-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

Paypal finally gave me a provisional credit I transferred the funds electronically to my XXXX Bank account on an immediate transfer and then since I am also having problems with XXXX bank and money disappearing I transferred it to my XXXX account as I am going to use them as my new bank. I did try to transfer the funds directly to my XXXX XXXX account and it was denied. 

A few days later it was saying ( I do have screen shots and screen videos ) that I had a XXXX deficient balance in my XXXX account. 

The whole time that the money was in XXXX XXXX it was saying that there was available balance and then a hold of 3k and it went down to 2k. 

I wrote a complaint about this just an hour before this one. 

Now XXXX XXXX has informed me that the funds did not come through and they just deleted the money from my account all together. 

This violates numerous laws and rules of banking.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I needed to unlock a credit freeze with all three credit providers for a credit report in support of a mortgage refinance with a limited time rate lock. No problem with XXXX  or XXXX who provided a confirmation number. Impossible with Experian. 

I froze my credit info with Experian after they were hacked in 2017. I still have the letter sent to me with my PIN from XXXX. 

First I tried calling Experian like I did with the othes. After providing sensitive information to an automated system, I was told to press 2 to get to fraud alert/freeze unlock. Every time ( 5-7 attempts ), I got a hangup. Finally, by repeatedly pressing " 0 '' and yelling " customer service '' over and over, I got a person, XXXX. XXXX tells me my PIN somehow is " wrong '' although I read it directly from the letter several times. I then have to go through a series of questions again ( one of these companies actually required me to answer what astrological sign I am ). I am informed that Experian will only confirm by sending a first class letter in about 10 business days. I am in rural NH where mail is slow anyhow and not virtually unreliable due to current events. I ask for any ID eg, employee ID, report ID, phone call ID, anything to show I made the request since I had trouble with them before. My rate lock may expire before I get anything in the mail. I request a supervisor XXXX XXXX XXXX. To everything I say or ask, he repeats like a recording - you have to wait for a letter. I ask for another supervisor ( XXXX XXXX. I am now on the phone for 1-2 hours. As soon as XXXX comes on the line and I ask his name, he hangs up on me. 

I try online. The correct information is rejected repeatedly. I try to request a PIN. Same thing. I try to request a one time unlock for one creditor ( mortgage company ). I then go back to calling. I am locked out. 

Guess I have to sue them since I can't seem to get the freeze off in time for my rate lock.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal request to challenge the hard and soft inquiries on my TransUnion Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than XXXX days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within XXXX days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX
Consumer complaint received 2015-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I continue to receive calls from Portfolio Recovery Associates. No message is left and when I answer the call no response. I have no idea why they are calling and a few years old sent them by certified receipt a letter of cease and deceit ( XXXX XXXX, 2012 ). The phone calls began again a few weeks ago. I block the number and of course they call from other numbers. I am again sending them another certified letter. Their tactics are horrific. I owe no XXXX anything, so I have no idea why they are calling me. They call my landline at the least XXXX a day, do n't answer no leave a message. I do n't know what else to do to stop them from harassing me via telephone call or other wise. My next tactic if this not resolve their annoying phone calls is to take legal action against them.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I disputed XXXX accounts on Experian with XXXX XXXX XXXX. These XXXX accounts went into collections in XXXX. I paid these in XXXX. They had on my report Collection as of XXXX XXXX. I disputed it and now it shows collection as of XXXX XXXX. Please fix. On my report from XXXX XXXX XXXX ( attached ) they have collection as of XXXX XXXX, so you can see they keep changing the date to seem more recent. I am trying to get a house and do not need this on my report. 

Credit ItemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I REQUESTED AN ADDTIONAL RESOLUTION TO MY NAME ON MY CREDIT FILE BECAUSE IT IS NOW INCORRECT AND NOT MINE AFTER MY IDENTITY THEFT COMPLAINT FILED I RECEIVED DOCUMENTS TO UPDATE MY CREDIT FILE, BUT WITH THE NAME XXXX XXXX XXXX XXXX. 

THIS IS NOT MY LEGAL NAME, THIS IS THE LEGAL NAME OF MY FATHER AND IS NOW BEING REFLECTED ON MY CREDIT FILE. 

MY LEGAL NAME IS XXXX XXXX XXXX XXXX AND I DO NOT HAVE ANY ALIASES, NOR HAVE I EVER HAD ANY ALIASES. EQUIFAX XXXX CONSISTANLY REPORTED INCORRECT INFORMATION ON MY FILE AND HAS NOW AGAIN MERGED MY NAME WITH ANOTHER PARTY, THAT PARTY BEING MY FATHER I WANT ONLY MY LEGAL NAME REFLECTED ( XXXX XXXX XXXX XXXX ) ON MY CREDIT BUREAU XXXX ALONG WITH ONLY MY ACCOUNTS LISTED ON MY CREDIT FILE
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

During a fight to Main XXXX, AAdvantage provided me a means to apply for a XXXX account XXXX I applied and the process was not completed because they said they needed more information. 

I tried to contact them several times and due to " pandemic '' the process was not complete, they are short in staff. 

I received a noticed that the time/window to apply ended in XX/XX/2022. So I reapplied again. 

Now I applied via online. 

The send me mail indicating I was not approved for the applicant. 
I have a credit score of XXXX the last two times I checked during the last 16 months. I also have paid existing debts that were opened. 

Note : They request to provide the amount on the house payment. If I include it, then I must include my wife 's income. All of the house is in her name and she makes all of the house payment.. 
House payment is almost XXXX XXXX/month My wife 's income is Almost $ XXXX. 
My income is $ XXXX and I do not have a house payment. 

The Citi Bank AAdvantage application is ID # : XXXX I received a denial letter printed on XX/XX/2022. 
Reason : XXXXHad submitted multiple applications. 

I have submitted multiple applications because the credit agency is not providing me a means to complete neither the first one nor the last one I just submitted. 

and my credit score continuos to be over XXXX
Consumer complaint received 2021-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been notified by my employer that FIA Card Services, the successor company to MBNA, both of which are or were a wholly-owned subsidiary of Bank of America, is attempting to garnish my wages in the amount of {$530.00}, for an unsecured ( credit card ) debt on which no payment has been made ( original default was longer than 12 years ) for over 12 years, which is time-barred from collection in my state ( Virginia XXXX, after 6 years and violates the Fair Debt Collection Practices Act ( FDCPA ). I also received no notice of legal action from, in, by or in regards to the courts of my residence which is XXXX County, Virginia, from FIA Card Services, via any process server, law enforcement personnel, or other on behalf of FIA Card Services, nor via any official communication from XXXX County General District Court.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX. 

I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX. 

The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My edd debit card was fraudulently used since 2020 to now and Ive notified it with Bank of America yet theyre refusing to refund due to it being pass 365 days ( not in their terms, just states fraud zero liability, but no time limit on it ) and other reasons even though my acc was hacked and password was changed multiple times including failed logins. I just want boa to give me back my money from my unemployment claim that was stolen.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NV)

XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

Santander Consumer USA. 


I had a car loan with Santander. I had my car for 3 years. I was in a car accident ( hit from behind XXXX on XX/XX/2020. My car was declared a total loss on XX/XX/2020. I had car insurance ( XXXX XXXX whom paid Santander and I also had GAP  insurance ( XXXX  ) whom also paid Santander. They are still reporting this on my credit every month as if i still have the car and reporting late payments. I called and spoke with Santander and told them the car was a total loss and they were paid by my insurance and my GAP  coverage, however they are still reporting this on my credit.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

A collection of {$52.00} was placed on my credit report by XXXX XXXX. I contacted XXXX XXXX, the original creditor, who stated I have no current or past due balance with XXXX and they would contact Convergent to remove the entry from my report. This incorrect, negative information is still reporting on my credit reports.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

This amount is incorrect it was for phone service and all phones were returned. and service was cancelled. i did report a dispute on  XXXX / XXXX /   2016  and was removed from my   XXXX   credit file, and was also removed from  XXXX , but i spoke to a  XXXX  representative who gave me your information to contact you because they keep putting in my credit file.
Consumer complaint received 2015-06-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.