davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I currently have a loan with Chrysler Capital under my previous married name XXXX XXXX. The vehicle purchased XX/XX/XXXX is a XXXX XXXX XXXX. The loan Matured XX/XX/XXXX with a six month extension based on payments put to the end of the loan. There were no payments missed for the time period and now there is a balance past due of XXXX. When I contacted Chrysler capital to ask why is there still a balance I was told it was because of interest and fees in association to the six payments put to the end of the loan. Confused. I questioned why isn't it considered paid in full because there have been no missed payments. And the response was interest and fees and the balance remaining is due in full and I am currently paying the same amount monthly of XXXX which was the original monthly payment and still being charged interest and late fees every month and a statement that says balance due XXXX and considered 41 days past due, and my XXXX credit score dropped XXXX  points as Chrysler Capital has reported XXXX 30 days late. This loan has been the worst experience ever.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WV)

I'm having trouble getting my name added as successor in interest on documents mortgage.I was deeded property before death by my grandmother..but there's a mortgage my name is XXXX XXXX XXXX XXXX There's also an escrow amount for taxes and insurance I pay the taxes and property insurance on sed real estate so why am I charged {$310.00}. XXXX a month making my total payment {$1300.00} I don't understand when I pay these privately. That {$310.00} needs off my mortgage please.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a phone call from phone number XXXX which I ignored. They left a voicemail stating that their name is XXXX last name unintelligible. Calling in reference to a matter forwarded to her office in consideration to legal action which includes a filing of a lawsuit and complaint with the court and to contact the firm handling the files by calling XXXX reference file number XXXX. Stating that it is a time sensitive matter and will proceed without my consent if I do not call back. They also called one of my siblings stating that same information in regards to this matter against me. I called the number and the person that I spoke to stated that his name is XXXX XXXX and he stated that XXXX XXXX XXXX was suing me for over {$5800.00} for an account that I supposedly had in XXXX and never paid overdraft and other fees. He said that I should have received something in the mail in XX/XX/2022. I then told him that I have never received anything from XXXX XXXX in regards to this matter. He said that he would transfer me to the lawyer 's across the hall handling the case to see if they would drop all charges except what was originally owed to XXXX XXXX. I never spoke with a lawyer but after a brief hold XXXX XXXX came back and said they agreed to drop everything if I paid the original {$1100.00} with either a XXXX or XXXX. I asked him to please send me the documents I was supposed to have received in the mail via email so that I can confirm this was legitimate. He stated that he can only send me the document for me to sign agreeing to pay the second amount. He also assured me that this was a legitimate business by rattling off my full SSN, birthdate, current address, and letting me know that he has a copy of my driver 's license from another state that I lived in a long time ago. I have the document he wanted me to sign to pay the {$1100.00} with another name on the bottom of XXXX XXXX. I did not pay anything and have since done research on the names and other information for this company and nothing is adding up. My sibling and I agreed that it was a scam so now I am reporting it and filing identity theft reports, etc. 
The supposed law firm/company is XXXX with an address of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. An internet search shows that's not a physical office but a virtual office space.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

There are XXXX unauthorized transactions totaling {$150.00} unauthorized on my cash app account Ive asked them to refund the money they refuse to. I never made these transactions and also filed a police report. 

My claim number is XXXX. 

I filed a police report as well I attached it
Consumer complaint received 2022-09-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Im XXXX, I called Santander to inform them to come and pick up vehicle because it was involved in an accident and was not drivable. I did not want to pay for a car I could no longer drive. They eventually came to pick up vehicle and sold it according to their records for {$3400.00}. I did my due diligence and found that the car was worth {$15000.00} and now the bank wants me to pay almost close to what the car was financed for after the sale of the car ( XXXX XXXX ). I am not sure why I owe so much after they sold the vehicle which they could have sold the car for so much more making my balance next to nothing I owe.
Consumer complaint received 2022-09-18
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)

I have written several letters to XXXX, XXXX, & Transunion about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

XX/XX/2022 : I sent money via zelle to a scammer that claimed they were buying a couch I was selling. They said they deposited {$650.00} in my account, but it was over the limit. They said they had to send {$350.00} and I had to send {$350.00} back to get my funds. 
The email is XXXX that the scammer used.
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 2022-06-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) 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 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX 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 2022-06-08
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. (NY)

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX  XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) I'm requesting a thousand dollars per violation or Deletion of the accounts
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX did a proper investigation and deleted 2 Dept of Education loans and corrected my payment history on 2 accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I have had multiple issue with PayPal Credit. I even slammed them with the XXXX XXXX XXXX  and my Resolve request to PayPal is to close my Account as They stated they would. I have continued to receive fraud e-mails so I called PayPal today XX/XX/2023 and Paypal tells me that PayPal Credit is STILL OPEN! I also requested today XX/XX/2023 for Paypal to close my regular account and this is how I found out about PayPal Credit and regular Paypal refuses to close that account as well. I do have the documents from the XXXX XXXX XXXX and can provide those if requestedat a later time as they are not in reach at this time. I have too many scams coming from Paypal and Paypal continues to lie to me regarding the closing of my accounts. My accounts I found out today are still open. Paypal must be investigated! Just asked the operator to put her supervisor on the line and she just attempted to side - step me. Told her once again to put the Supervisor on the Line and still waiting on hold @ XXXX...
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

XXXX  Card closed in XXXX. XXXX  sold account to Comenity Bank and I was unaware because they had the wrong address. I tried contacting several times to get an account number and change the address requesting a statement on XX/XX/XXXX it is now XXXX. I have yet to receive a statement so XXXX can setup my online payment. I dont have an issue paying it. I just want to see the account information with the new company and that is my consumer right. I made XXXX payment over the phone against my better judgment. 

XXXX XXXX Account : unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : XXXX
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

There is no means to unsubscribe from Experian XXXX XXXX emails. They are sending Marketing emails posing as Notification Emails. Registration is automatic in order to set up an Experian Credit Freeze. 

Example email : We found a XXXX XXXX  matching the address on your Experian membership. Confirm its your car to get started with free benefits like insurance savings, data on your car 's history, and estimated value. 

[ Email Footer ] : Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXXXXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, XXXX XXXX to your address book and avoid marking these messages as spam.
Consumer complaint received 2022-06-08
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 XXXX XXXXXXXX XXXX Account # 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 2022-09-18
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. (FL)

good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information.

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # 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 2023-04-20
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. (NY)

I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows 90, 120 and 150 days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment. 

What is the USC code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not authorize the following companies to do inquiries : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Consumer complaint received 2022-08-01
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX  ) XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$500.00}
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (TX)

I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX dealership, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair credit reporting act Account # XXXX bank 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.