davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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: American Credit Acceptance, LLC (TX)

I enter into A contract with American Credit Acceptance on XXXX XXXX. After going over my contract and the federal laws, I know now that is fraud on the contract. I have sent American Credit Acceptance a right to recession letter on XXXX XXXX. I also sent them an debt validation and a cease and desist letter.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.
Consumer complaint received 2020-05-21
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. (IL)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. XXXX  and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account. 
Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY. 
I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX   with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Springer Collections Inc. (MN)

I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Springer Collections Representatives in regards to 2 accounts for {$1800.00} and {$210.00} from XXXX XXXX XXXX XXXX. The accounts are fraudulent, unauthorized, not my accounts and are the results of identity theft. Springer Collections are in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-aging account is a very serious violation in reporting by Equifax. I have provided proof documentation directly from the credit report circled and highlighted for the CFPB review. I have listed the multiple violations of the FCRA below for the CFPB review.

(

1 ) Violation of the FCRA illegal Re-aging account. ( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. ( 3 ) Violation of the FCRA inconsistent reporting by Equifax with this account.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: U.S. BANCORP (NJ)

I leased a new XXXX XXXX XXXX in XX/XX/XXXX. The lease ended in XX/XX/XXXX but I extended the lease to XX/XX/XXXX. The monthly lease amount was {$300.00} for the term of the lease. 

In XX/XX/XXXX, the company decided to add an add'l {$20.00} to the payment making it {$320.00} stating the difference was sale tax. The base amount of {$280.00} and the sales tax of {$19.00} totaling {$300.00} should not have changed. The {$20.00} represents sales tax being charged on the base plus the {$19.00} sales tax. 

I've made countless phone calls and sent letters over the past 5 months. They continue to say I owe the money and send me paperwork I don't ask for. Management was of no help either. 
Now they are charging me {$50.00} in late fees which are included in the {$110.00} they say I owe. I do not want this to show up with the credit bureau which I stressed to them.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I made a Credit Card payment to Wal-Mart. I called to see if my payment was received because I did not want to incurr a late fee. I was told by the representative that my payment was not received. So I made another payment in the amount of {$85.00} over the phone. I asked the representative when my first payment in the amount {$85.00} is received, I want a refund back. She told me when I received my statement call back, I said ok. When I received my statement I called back as the representative said. The representative told me I should receive a check in 15 days for {$85.00}. On XX/XX/XXXX When I did receive the check it was in the amount of {$63.00}. I called back and I spoke to someone named XXXX, she told me she`s putting in a request for the {$22.00} and gave me a confirmation # XXXX and that the refund is going to take 7-10 business days. Still have not received my refund. I called back and spoke to another representative named XXXX, he stated that the reason I have not received my full refund is because my payment was {$100.00}. On XX/XX/XXXX I spoke to XXXX and she told me to pay {$85.00} only because I was giving wro ng information ; They adjusted my payment from {$100.00} to {$85.00}. I told XXXX what was said by XXXX, he said he`s putting a request in for the {$22.00}. Never received it. I have been calling and talking to several representatives from Wal-Mart in regards to this. On XX/XX/XXXX was my last a tempted to retrieve my refund. I spoke to XXXX an account Manger, I played the recording of XXXX explaining why they made the adjust on my account for the {$85.00}. He said, he`s going to put in for the refund, never received it. I make my payments on time to Wal-Mart. I am not understanding why I have to go through all of this to get my refund of {$22.00}. Everyone of the representatives from Wal-Mart say been dishonesty in their speech. If I take my {$22.00} out of my payment I will have to pay a penalty. Just as they want their money every month I want mine. When you value your customers you respect and speak truth to them. I have recorded conversation with these representatives. Lastly they are not even trying to put my refund towards my account. I could not submit my recorded conversation with the WalMart representative this is XXXX WalMart representative explaining why my account was adjusted and her confirming the Supervisor telling me to pay {$85.00}. The supervisor name is XXXX and XXXX is reading from her notes in regards to the adjustment of the {$100.00} to {$85.00}, because of wrong information as I already mentioned in my complaint. The date again is XX/XX/XXXX.
Consumer complaint received 2020-04-23
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (FL)

THIS DEBT IS NOT MIND UNDER THE FCRA I REPORTED AND ASKED FOR PROOF THEY FAILED TO PROVIDE ACCORDING THE THE FCBA AS WELL I WANT IT REMOVED AND THEY NEVER PROVIDED PROOF NEVER HAD XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AL)

I initially disputed inaccurate information with the credit bureaus and Im assuming they reached out to TD AUTO FINANCE about the information I provided. Theyre violating my FCRA rights by continuing to update inaccurate information. Theyre reporting 3 repossessions and also have different balances on credit reports. Theyre also have a repossession for the month of XXXX and a payment was made for that month. They also failed to report my last payment in XX/XX/2022 but reported the repossession and repossessed my vehicle within a week after I paid them. Theyve also reported an auto loan on my credit report which is inaccurate. Proof that its a retail loan will be uploaded.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

Chase bank increased my credit card spending limit without my authorization. Chase also mislead me about spending limit increases.

Chase bank sent me an email after I signed up for this credit card, suggesting that I " Apply '' for an increased spending limit. This strongly lead me to believe that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. 

This was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register. Because my card did not get denied, I continued to spend money on the card to gain Amazon rewards, thinking that I was well  within my XXXX dollar limit. 

I'd like to add, that I can prove with documentation my ability to pay this bill in full at any time. I use a credit card to keep my checking information safe. Chase took advantage of this, in a predatory, misleading, and malicious fashion.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX it was reported by Equifax that I have had 3 Hard Inquiries, I do not have any knowledge of these but I was made aware through an alert on my XXXX XXXX App that allows me to monitor my Credit Score. Here are the accounts that were marked for Hard Inquiry : XXXX XXXX, 2 Inquiries : First Inquiry was marked at XX/XX/2019. 
Second Inquiry was marked on XX/XX/2019. 

XXXX, ( Im assuming XXXX XXXX ) : This Inquiry was marked on XX/XX/2019 as well. 

I did not authorize these hard inquiries and was knocked down by 54 points in my credit report which is ruining my score.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

Today, XX/XX/2021 i sent the following email to Mr. XXXX XXXX, CEO for Fairway Mortgage Co. He dismissed my concern as if this is normal behavior from one of his employees. 

XXXX, Please review your mortgage loan officer, XXXX XXXX XXXX XXXX NMLS # XXXX ) comments to the client where he accuses me of offering something that is not reasonable and questions my integrity a few of his comments :. The Mortgage insurance is just like the rate, no way. 
With me, the numbers will be accurate, we will close you on time, you will have a much better experience I can not lose you to the bank on bad information Ive spent 27 years in this industry with an impeccable reputation. XXXX XXXX, XXXX XXXX, you and I spent time together so I believe you know my work ethic. 
I dont appreciate anyone attempting to undermine my integrity. For what its worth the taxes were unimproved last year explaining the increase, client is locked at 2.5 %. 
Im sorry XXXX feels frustrated he lost the client but frankly taking the high road is advised.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a XXXX  bill.
Consumer complaint received 2020-10-22
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: WINN LAW GROUP, APC (CA)

This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with XXXX ( who owns this debt now ), as well as with Winn Law Group ( their lawyer, Mr. XXXX ) - however, XXXX says they can not receive payments, because Winn Law Group is handling this for them. I was told by XXXX to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but Winn Law Group,  Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
Consumer complaint received 2020-10-11
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. (CA)

I paid {$4000.00} to pay off in full a XXXX  XXXX credit card debt with XXXX XXXX XXXX. Anytime I pay off a huge derogatory account like this my credit usually jumps up 30 points or more but this one only went up three points and I want this to be reevaluated.
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

In my XXXX. 2017 credit card statement, I noticed in the " 2017 totals year-to-date '' box that I had been charged {$20.00} in interest. I pay all my bills in full and on time so this did n't make sense. I called VISA and they checked my payment record and agreed to credit me back the amount. 

My concern is for other customers who pay as I do and do n't notice this charge. There could easily be thousands of us who have been overcharged possibly totaling hundred of thousands or millions of dollars. 

So I 'm bringing this to your attention.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Acc # XXXXXXXX XXXX  XXXX, Acc # XXXX, XXXX, Acc # XXXX, XXXX XXXX, ACC # XXXX, XXXX, Acc # XXXX, XXXX XXXXXXXX, Acc # XXXX, XXXX XXXX XXXX Acc # XXXX, XXXX XXXX Acc # XXXX, XXXX XXXX XXXX, Acc # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, Acc # XXXX, XXXX XXXX, Acc # XXXX, Acc # XXXX, Acc # XXXX, XXXX XXXX XXXX Acc # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Chase allowed deposits totaling {$5300.00} in succession using the same bank and all payments made and bounced in a 2-week period. I can understand one, but 2 payments on the same card using the same bank account and that quickly??  And one was one day after my normal payment! AND CHASE THEN ALLOWED {$9500.00} OF CHARGES!!! Chase has yet to send all information of method of payments. All charges from XX/XX/2017 were not authorized. 
Chase blames me but payments are out of my control. The thief even changed the phone number and Chase was talking to the thief. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

The servicer on my home mortgage failed to do an end of year escrow analysis, against the law, and when I called them out on this and requested my escrow accounts to be cancelled due to their negligence and failure to follow the law. 

They immediately did an escrow analysis and sent me the overage in the account but did not close out the account as requested and return all of my escrows. 

I have no faith in their ability to follow the law and service my mortgage appropriately and would like my escrow account closed and all funds in the account returned to me. 

Again, to reiterate, Lakeview did not do my required end of year escrow analysis UNTIL I called them out and requested to cancel my escrow account on XX/XX/year>.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CT)

I looked on offerup at a listing with an item I was interested. It came with a number saying to text " XXXX '' and I got a response back for the item. The person supposedly names " XXXX XXXX '' told me I had to pay using XXXX. Which I used the TD Bank app and I sent money to someone names " XXXX XXXX '' with the phone number " XXXX '' I sent the money then a day later her told me I had to pay for a customs duty because my product was in XXXX for {$260.00}. By that point I wanted to get a refund for my money because I felt I should have to pay for a customs duty and I requested for one. Afterwards, he never sent me a response about giving me back a refund and stopped messaging me around XXXX EST XX/XX/2020.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.