davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing 1XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX  Account Number : XXXX Bal : {$1100.00} 3. XXXX Account Number : XXXX Bal : {$1000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-08-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd. (TX)

I am getting threatening phone calls saying they're going to garnish my wages calling from an attorney 's office and that they were going to threaten the payday loan to court the phone number that they're calling me on is XXXX they called me XX/XX/XXXX around XXXX p.m. I told the representative that that loan was not taken out recently it was taken out many many years ago so it should have already been taken care of and off my credit I did advise the representative that all calls were going to be recorded and she advised me that I'm not recording the phone call I have asked them before to stop calling me and they still are threatening me with this They are saying it is from The Cash store
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) HAS VIOIATED 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 acoount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

I financed a vehicle through Santander Consumer for. XXXX  XXXX XXXX. 
I feel like I was targeted both as single female and by predatory lending and intentionally misleading and deceptive lending practices. 
My vehicle was repossessed. Throughout the entire loan timeframe I didnt receive any statements, terms or conditions, And nothing stating terms of my loans outside of initial contract inside the dealer office. There was no correspondence giving me info reguarding late fees and how my payment was allocated including interest and principal balance. I did however receive several marketing letters trying to upsale me and offer me warranties.upon trys to access my online account I was unable to and troubleshooting with the companies tech support was not alleviating the problem either. I was never able to login and access my account on the companies online site not once. Tech support informed me that there was little they could do. 
I consulted with a different financer today and I was warned about and was cautioned against using Santander. That they have a reputation for deception and intentional misleading business practices.Iam a former XXXX XXXX XXXX XXXX  and a current XXXX XXXX XXXX XXXX XXXX. Iam on the XXXX  during this pandemic and my schedule is less then ideal, so I depend on emails text messages. I require statements which I never received. Upon calling the company today to my great surprise the address on file was an address I do not reside at and never provided. I attempted to resolve this, and to say they were unwilling to work with me is an understatement. The representative stated that a few correspondences were sent but she failed to provide an address and dates or what the mystery correspondences even pertained to. I was transferred to an unamed department which turned out to be a debt collector. I dont even know if my loan was sold. I was given no other option then to pay the loan in its entirety in order to get the vehicle back, which is absolutely not what I am able to do. I accept the responsibility of defaulting on my loan. But they need to accept responsibility of their negligence. As per of the FCRA isnt fair and accurate credit reporting supposed to be fair? And how can they justify taking the only method of transportation away from someone who puts their life on the line for this community justified without any attempt to solve this. I feel taken advantage of. I feel I have been deceived, but more then anything else I am disappointed that businesses like this if allowed to go unchecked could do this to someone else. To add insult to injury, my son is severely XXXX  this vehicle is his XXXX identity, his id for first responders in case of emergency. It is our only way to alert of my non verbal son needing special assistance. And I dont know if Ill ever be able to get that back, it is our life line. I look how to hearing from you. Thank you for your time.
Consumer complaint received 2022-06-05
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: CITIBANK, N.A. (CO)

I made a purchase for XXXX XXXX which I never received the product. I filed a dispute with Citi and was never refunded.
Consumer complaint received 2022-04-05
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: U.S. BANCORP (CA)

USBank violated my appeal rights by not sending me my appeal rights after I did 5 disputes. Despite I asked one of the card member services managers to send me my appeal rights to challenge their outcome with XXXX, they didnt send me anything. Their letter has nothing about appeal rights. On late XXXX I called usbank to discuss a dispute with XXXX XXXX. I told them that by the way I had other disputes that I need to bring up. The credit card rep indicated to not worry because I had a year to bring up the dispute with usbank. She told me this on a recorded line. I believe it was XX/XX/XXXX or XXXX. Here is the problem I have : The bank is saying now that XXXX only allows 60 days to bring disputes. Usbank told me several times a year and then 120 days in follow up calls. They said the time is going to depend on the nature of the dispute. Here is the reason why I was not able to bring the disputes in 60 days : I had a contract with XXXX XXXX firm stating that I could not bring any fee dispute but through an ADR process or arbitration with the XXXX  XXXX XXXX. Since XXXX started charging me for things she didnt perform like not subpoena people, but charged me for them anyway or illegal recordings she didnt use but charged for, I needed to bring her charges up. She also started changing my fees at one point which is illegal. The XXXX XXXX XXXX give her months to respond. They also toke a long time before they bring up my desire to follow the contract and to have the fee mediation. They claimed that because of covid things were backlogged. I also was affected by XXXX and I was taking care of family member 's who unfortunately were also affected by XXXX. Usbank didn't care and they did not consider that XXXX XXXX violated her own contract. After I spend months to have the fee resolution process with her and the bar, she stated she didnt wanted to participate violating her own contract. I was forced to give her all of this time that I wasted because of our contract preventing me from speaking directly with the bank first. Again, I want to complain that usbank had never give me appeal rights violating my rights to get visa to look into the circumstances and clearly usbank not only violated my rights to have an appeal, but they also lied time on a recorded line about the time frames I had. The last thing that they did was to send me an insulting letter dated XX/XX/22 stating that if i didnt paid the dispute amounts which were reversed on the credit card that they were going to report me with the 3 credit agencies when I have never been late in any card payments and I had never stated that I was not going to fulfill my obligations or pay. I been a client of usbank for 12 years and I never once been late in a payment. I have excellent credit. Their letter content was simply treating and uncalled for.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TX)

Charles schwab account is locked/frozen. Initially it was locked for an undisclosed reason. I initiated a transfer of {$8800.00} to an external of mine on XXXX. I was contacted by the Charles Schwab team and informed that there would be a 10 day hold before the request could be completed since the account was new. During a routine login on the 10 day XXXX, it was discovered that the account was locked. I contacted the security team and was informed that it could take 3-5 days to be resolved. I contacted charles schwab on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for updates and was informed that the account was locked for suspected fraud. No further information has been provided concerning the investigation.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

I refinanced and paid off my vehicle loan with Kia Motors Finance ( KMF ) in XX/XX/XXXX. I sent them the cleared check that clearly stated that the " Payee '' - Kia Motors Finance cashed the check. It was in XXXX XXXXThey claimed that the " bank cashed the check '' and that they never got it. Not possible, however they still made that claim. They took an additional payment from me of {$450.00} in XX/XX/XXXX even though I had stopped the automatic debit option in XX/XX/XXXX. Their online portal showed the full payment made and I received no bills or notices from KMF in XXXX or XXXX of that year. In XX/XX/XXXX, KMF started sending me bills again even though payment in full had been made in XX/XX/XXXX. I called them, texted them and tried to get them to fix their problem after receiving these new notices. At first they said they would fix their problem, then they stated they received the payment, but that it had been credited to an " invalid '' account. Then they stated that there was an incorrect account number on the check they received and placed blame on the sender even though their name, my name and the account number were 100 % correct. Then they stated that the " bank had the money and that they didn't even have an account with '' the bank they cashed the check with. 
Well, during all of this time, they continued to harass me for payment not due, continue to assign " Past Due '' charges to my account, continued to accrue interest charges, and I started receiving notices of impacts to my credit score along the way. 
The bottom line is a warning not to ever do business with Kia Motors Finance unless you want to be treated as poorly and irresponsibly as they treated me. There is no " customer service '', only individuals under that heading that are there to solely protect KMF, take your payments, unfairly threaten former customers, and provide false information to cover themselves and KMF when their incompetence and mistakes are revealed. It is unfortunate that businesses like this are allowed to flourish and not be held accountable for their unethical business practices. Borrower Beware!!!
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (KS)

I received a letter from Harris & Harris. The letter appears to suggest that the organization is a law firm. In response, I contacted Harris & Harris. Their representative attempted to suggest that the organization was a law firm. However, when I asked who their managing partner was they had no idea what I was speaking about. 

I believe this company is a front and that the organization is not a law firm but simply a third party collection agency that attempts to coerce payment by suggesting the individual has been referred to a law firm. 

Further, I checked and Harris & Harris is not licensed to practice law in my state. 

This is both in violation of the FDCPA as well as state consumer protection laws operated by statute here in the state of Kansas. 

While my particular account has a dispute involved I think this is perhaps the most illegal thing any collection can do because it is outright coercive and deceptive.
Consumer complaint received 2022-09-29
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-03-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In XXXX, Credit Acceptance used XXXX XXXX to be repossessed my personal vehicle after ..... 
XXXX. Not Validating Debt pursuant 15 USC 1692G 2. Not responding to affidavits that addressed clear violations to Truth in Lending, found in documentary evidence/contract.

3.Pretending to be lawyer and debt collector via correspondence. Violating 15 USC 1692e.

4.Refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recission as to certain transaction.

5. Not disclosing to me of my right to rescind this transaction.

6. Making me pay to retrieve my personal items once my vehicle was repossessed.

7. Claiming they could reinstate the contract after I had to pay to retrieve my personnel items during repossession. The very same act CFPB found XXXX guilty of and punished for. 
8. Violated 15 USC 1666b Timing of Payments 9. Violated 15 USC 1666a Regulation of credit reports 10. Violated 15 USC 1605 Determination of a finance charge
Consumer complaint received 2022-03-08
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. (MD)

1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) Allowed credit report to be accessed while BLOCKED : XXXX, XXXX - XXXX XXXX XXXX ( I DO NOT AND HAVE NEVER HAD AN ACCOUNT WITH THIS ORGANIZATION ) ( XX/XX/XXXX ). This company was allowed to ILLEGALLY access my credit report.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.