davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (LA)

CHRYSLER CAPITAL. XX/XX/2021 we paid our normal {$710.00} a month payment not knowing it was our final payoff amount. Then we were hit with a late payment when it wasnt late, may we pay {$1100.00} which is what it stated on the website to pay as a pay off when we didnt realize we were supposed to pay {$1400.00} ( short {$300.00} ) which we had no idea because we only paid what it said too. we immediately paid the remaining amount as soon as we got a letter in the mail stating we were short and late. Tried to fix it with Chrysler capital since we hadnt been late in over 2 years especially since it was our last payment. Why would we be late on our VERY last payment if we knew ... its just very upsetting since we were trying to buy a house and now our credit isnt where it should be by this accidental late payment. Ive already reached out to the company trying to get a goodwill deal with them since the loan is paid off already, and theyre refusing to remove the late payments even though its fully paid and closed.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The company causing me distress is Experian. they keep reporting false and misleading information on my credit report. when I reviewed all the accounts, I noticed the " date opened '' " date of the last activity '' and " payment Status '' were all inconsistent. I requested a consumer credit application which I signed and they could not produce one. i contacted each of the companies and they also count not produce the consumer credit application so I had to sue them. Experian has continued to violate my rights according to the FCRA.
Consumer complaint received 2022-11-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (TX)

My rental car XXXX ( from XXXX ) was rear-ended by a man named XXXX XXXX XXXX XXXX  XXXX XXXX ) in XXXXXXXX XXXX. I was driving slowly in the rightmost lane looking for a restaurant to pick up my order. He came out of nowhere and hit my car. He was an old man, XXXX XXXX XXXX XXXX and admitted that he was drinking tea while driving and was distracted. 

I reported the incident to my insurance XXXX  XXXX. Unfortunately though, 2 days later I got a letter from XXXX 's insurance XXXX XXXX that they concluded that both parties were at fault for the accident and I was the main culprit. XXXX lied that I was stopped on the side of the road. My insurance confirmed that still he was not in the right to hit a stopped car. 

Also at that time, I lived in XXXX  and so my insurance company XXXX only covered for the vehicle damages. They did not cover for the vehicle 's loss of use for which I still owe {$890.00} ( according to XXXXXXXX XXXX XXXX XXXX 

XXXX then hired 'Vikings Client Services ' to collect debt for this. They have been mailing and phone calling me every week since more than 8 months to pay this amount. I feel mental trauma and I feel I have been wronged by both XXXX and my own insurance company XXXX. XXXX promised me that a case adjudicator would help, but they never did anything. They got me stuck paying for a rear ended collision of someone else 's fault. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount asked by debt collector 'Vikings Client Services XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IA)

Hello, For over 2 years, I have attempted to work with FedLoan Servicing to apply for the Public Service Loan Forgiveness program. They calculated my qualifying payments and I received notice on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXX required payments. Based on the information, I reached out and requested that I receive a month-by-month breakdown, starting in XXXX, to understand which payments I've made qualified and for the ones that were denied as qualifying, why they were denied. I never received that breakdown. 

I applied for forgiveness again in XXXX. I received notification on XX/XX/XXXX that showed how many qualifying payments I had made towards the XXXXXXXX required payments. The new statements showed that there have been XXXX  eligible payments made over the last 10+ years. Of those, XXXX payments have been determined as qualified. That leaves XXXX payments remaining before I reach the XXXX payments needed for the Public Service Loan Forgiveness program. I reached out and requested a breakdown of the XXXX payments that were eligible but determined not qualified, and have not received communication that I would receive that information. Based on last time though, I'm not confident I will ever receive that breakdown. 

Based on the information, my previous employment, and the number of payments I've made over the last several years, I'm confident I qualify for the Public Service Loan Forgiveness program and am not receiving the information I need from FedLoan Servicing to validate this. Any assistance you can provide would be most appreciated.
Consumer complaint received 2022-08-19
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. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX and XXXXXXX= XXXX.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # 's XXXX & 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
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact XXXX, Transunion & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (MS)

I been financing a vehicle from XXXX XXXX sale located here in XXXX Mississippi! Ive had my car two years but XXXX sold my account to a business called XXXX XXXX XXXX XXXX I have spoken to several representative about my auto loan and my balance! When they switched companies my payments wasnt transferred from XXXX so its looks like I still owe more than I should! They are over charging me for this vehicle and I know for a fact my balance should be a lot lesser than I see! I have asked them to check my balance because I dont owe that much on my car! These people are taking advantage of the community with this undisclosed interest amount and not seeing my balance go down at all! Just giving an estimate looks like Ill be almost paying {$23000.00} for a loan that was only supposed to be close to {$16000.00}. They are also reporting false amount of payments on my credit report that Ive asked them to correct. I just need help so these people can stop taking advantage of the community/myself! We need to be heard about how these dealerships are messing over their customers!
Consumer complaint received 2022-08-20
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. (FL)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible! 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! Base on, 15 U.S. Code 1666 ( a ) Written notice
by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (MN)

I have a line of credit account with XXXX XXXX XXXX XXXX through XXXX. I have been paying my bill every month at the end of the month when I get paid. On XX/XX/XXXX I paid my usual {$50.00} payment on my account. Up until XXXX I didn't have an issue paying this way. But apparently my paying early and consistently every month is a bad thing. According to the unhelpful staff the new payment cycle started on the XXXX, there is nothing they can do even though they have eyes and can see I didn't intentionally or even unintentionally miss a payment. 

Now I will have a missed payment and a reduction of my credit limit put onto my credit report which will drop my credit score by quite a bit. I've spent XXXX years building my credit so I can buy a home and now, for daring to pay early, I'm getting XXXX  by this company.
Consumer complaint received 2022-08-19
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. (NC)

My credit report from XXXX XXXX XXXX XXXX and equifax shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX  web
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

This complaint is a continuation of CFPB Case XXXX. 
The complaint to the CFPB seemed effective - I have received a reply from Capital One in XX/XX/2021 that they would reopen my account. 
I was sure that they would make good on their official response to a federal regulator, but already half a year (! ) I am trying to reopen my account, as they have committed to the CFPB, but with no avail. 
When I call agents and their supervisors, this " commitment '' is not in the system, I receive a response that the account is closed and there is nothing that could be done ( for instance, a conversation from XX/XX/XXXX, with supervisor XXXX, agent no. XXXX ). 
I have to say that as a lawyer I am very much surprised by the treatment of a XXXX XXXX XXXX to its commitment to a Federal Regulator. 
I hope you will be able that Capital One would treat more seriously its commitment to a Federal Regulator such as the CFPB, and will execute its commitment to open my account.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (AR)

The Apple Card has two sorely lacking areas : 1 ) dispute transparency during the investigation ; 2 ) unclear terms on paying off installment plans early. 
1 ) if you open a dispute there is no where on the web on within the wallet card info, to see that you opened the dispute, the pending amount, the status or the estimate resolution time. They do make a single notation on the original transaction, but as time goes, it's hard to get to if over 30 days old. The temporary credit can't be found anywhere. You only have an email ( you don't get anything in the post mail ), which may not be the same day you call or chat to dispute the transaction. Even after dispute, there's no place to view the entire set of events, status/decision, and when the credit ( or reversal ) is applied. 
2 ) Apple has no way to pay off installment plans early, though they say you can. It says if you want to pay off your instlallment early, to do so on your XXXX app in the Wallet. But you can't. I had just paid my entire balance in full by autopay, and the payment had cleared. Yet, it saw my recent charges ( not yet on any statement ) and would NOT let me. Terms only say " you must pay your balance '' - but the terms, nor any live person can specify if it is statement balance, current balance ( statement and new charges ), or current balance with new pending credits? I got different answers from XXXX people, and they were actually all wrong. I always always always pay off my statement balance in full each month. I'm also on auto pay - apparently this isn't enough if you use your card every month ( you'll always have a balance at any point ). So this month on purpose, I had to stop using my card entirely, and pay my account a week early before autopay ( and before getting my statement ), and ***I STILL could not pay off my installments early***. I called, and this time they offered to let me give them the payment for the installment pay-offs, on the phone- I mentioned I had asked to do this very thing the day after my auto payment cleared, and they said I could NOT ( then ). Suddenly I can a month later, with no different circumstances. I told them if they advertise they are an online credit card, they need to allow cusotmers to fulfill the terms for early installment payoffs, to define WHICH balance must be met, and without calling in. Clearly this is a undefined reality scenario that business and IT failed to identify. Any other card company looks at your last statement balance, and if you satisfied that, to allow you to pay installment plans early ( because they haven't yet issued a statement for the new charges ).
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I XXXX someone for XXXX  tickets that were being sold on a supposed verified site. As soon as I sent money user disappeared, immediately called my back on XXXX XXXX stated their is nothing that they can do. Refused to help in anyway. It was a total of 4 tickets for a total amount of XXXX dollars
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX - why is There activity such as late payments being reported after this account was closed/charged off?

And In the comment section the account is missing notice of dispute. These are factual FCRA violations.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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.
Consumer complaint received 2022-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc. (CA)

Early in 2021 I decided to use XXXX to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to XXXX. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using XXXX. Their app aggregated the monthly payments of the various transactions I made using XXXX. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If XXXX had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. XXXX did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, XXXX continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.