davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp. (SC)

I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX  XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX  stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I submitted a research request for credit file confirmation # XXXX to have addresses that I have never lived at removed from my file. I included a letter requesting the incorrect information be removed along with the required proofs if identity. I have now received credit file conformation # XXXX and the incorrect addresses have not been removed. The incorrect addresses are XXXX XXXX XXXX, XXXX, MI XXXX. XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX.
Consumer complaint received 2018-07-27
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. (TX)

On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I paid off 3 credit cards from Capital one, in full they keep trying to charge me interest on these 3 cards even though 2 off the cards I got checks back on for rewards points one card claims I owe .XXXX cents another one claims I owe XXXX and another one claims I owe XXXX this bank is charging me for bills I paid off in full if I don't pay them they will charge me XXXX  late fee on each card even though I don't owe them any money.
Consumer complaint received 2016-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NH)

Due to an error with autopay which I was not notified about, payments were not processed on this account. I had previously spoken with a customer service representative via the telephone that assured all Synchrony Bank accounts did have an active autopayment setup for the minimum balance. 

Through a previous CFPB complaint and numerous calls to the company, all late fees have been refunded. The previous complaint was closed with a contact information for a representative at the bank. I have not been able to reach this person after multiple phone calls and left voice messages. 

The 30-day late payment that was reported on this account should be updated to reflect an one-time payment as would have been the case should the autopay have been instated as I was notified from the bank. 

I never received any kind of notice with the statement or any email until the account was reported to the credit bureau. Should XXXX had contacted me, I would have worked with the representative to fix the autopay that they told me was already in place.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XXXX of XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

Hayt Hayt & Landau, P.L., Third-Party Debt Collector, has attempted to collect a debt that I do not owe. This Debt Collector did not have my expressed consent, authorized signature or court order to use my private information.They have called my family telling them I owe a debt and defaming my character.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have submitted this letter to all the credit agencies, XXXX, XXXX  and Experian and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted this letter to all the credit agencies, XXXX, Transunion and XXXX and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review.

I have provided the letter in the attachment.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

Thursday, XXXX XXXX 2017, XXXX XXXX PST, and other times Robocaller identified self as " Trans World Systems, INC > '' Recipient informed that call is to collect debt ( unknown type. ) Instruction given to call " XXXX XXXX XXXX '' at " XXXX '' An I.D . code = XXXX was given.

Robocall came from " XXXX XXXX '' " XXXX ''
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Well apparently XXXX XXXX sold my information that was fraudulent attain to this company Portfolio Recovery Associate. I contacted Portfolio Recovery numerous time. I mail my police report to the company, the three credit bureau has my police report. I have a fraud alert and a freeze on my credit report. XXXX  remove it but when it removed from my credit Portfolio Recovery will put it on the other bureau. I contacted FTC file a complaint. They still report it to the bureau. On XXXX XXXX i recive a call from XXXX stating my account wasn't be paid. I inform XXXX I never applied for a XXXX XXXX card. My husband XXXX XXXX left his phone in a rental car. They never turn the phone in but from XXXX they was open different account because our email was stored in the phone we had some of our personal things in the phone.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXXXXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX   : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX ( Experian : XXXX XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : 6X ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion to withdraw the released/paid tax lien from my credit report and they refused. Although XXXX has removed it upon dispute earlier this year. Not sure about XXXX. There is no balance of {$1300.00}, as shown in the photo provided. Nor is my name listed with the XXXX XXXX XXXX XXXX as oweing a debt. That photo is also attached. The lien is impacting my ability to secure better interest rates on needed credit approvals for XXXX XXXX for needed dental procedure, auto re-financing which is currently at 17 %, and my future home purchase, as my current landlord is selling his property, and not extending my lease. That occurs in 8 weeks. Please, That 's a lot of financial obligations going on all at once. This lien impacts my future heavily, and its been paid off for 4 years. Due to these reasons provided, I would like the lien withdrawn from TranUnion and XXXX ( if it 's also listed there ) immediately. 
Regards,
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My wallet was stolen onXX/XX/XXXX. I had a temporary Bank of America card that I reported stolen and I later received the permanent debit card in the mail. 2 weeks later I find out my bank account is dropping and apparently my temporary card which was stolen was never deactivated like it was supposed to be and someome was charging my temporary card over and over again at the same "XXXX"  grocery store XX/XX/XXXX 4 times back to back for a total of about XXXX$. I called Bank of America and they deactivated the stolen card but are now telling me I have to wait 3-10 days to get my money back. This is absurd and wildly unacceptable.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was trying to refinance my mortgage on my condominium with Bank of America at the end of XX/XX/2018. Once the appraisal was done and non-refundable, they started playing a " war of attrition '' by constantly bringing up more and more questions about my condo association. Questions were asked and answered only to have more questions come up. Our association board president filled out a questionnaire and that wasn't good enough. After two months of this, I gave up at the end of XX/XX/2018. I have asked that my appraisal fee be returned but I get no response. It was clear that they were not acting in good faith and once they got a little over {$500.00} out of me, then the games began. Phone calls went unanswered. Complaints filed on their company web site went unanswered. Closing dates were set only to have them stopped at the last minute to ask more condo association questions. Bank of America is fleecing people trying to refinance condominiums because they know that the credit market is so tight for condos that they can get away with it.
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}