davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

To whom it my concern, I would like to make a compliant about Chrysler Capital. I have been receiving billings and information at my home address for over three months. I have called Chrysler Capital three separate times to confirm that I am not listed on the loan and to inform them that the mail recipients do not reside at my address. I have requested that the mailing stop being sent to my address and that my address not be on record for the loan Chrysler holds. The names on the loan are for my ex-husband, XXXX and his grandmother, XXXX. This loan was executed with Chrysler Capital after the finalization of my divorce and after XXXX had move out of the house. XXXX does not have any ownership of the property located at XXXX Michigan XXXX nor did he live here when he purchased the vehicle. I would like Chrysler Capital to remove my address from their records and stop mailing statement/billings to my home.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, My name is XXXX XXXX and I have been a Santander customers since 2012. However, XXXX different customer service associates have been talking rude to me and trying to look into my credit. On XX/XX/XXXX, one customer service decided to pull on my credit over 5 times without my knowledge. However, my credit bureau told me that they pulled on my credit without my knowledge nor permission. In addition, a rude customer service associate called a week after pulling my credit and demand that I paid my car loan early. I would like Santander to explain is the meaning of this.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Foundation, Inc. (NC)

This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my wallet and cell phone were stolen at a party, i never find them and notcie the bank totally closed my account i had XXXX of dollars in there. i get a letter in the mall of a fraudulent account statment of someone taking all my money out of the bank and not XXXX person at bank of america will tell me anything they pretend i never exsisted and they send me to a XXXX. im so XXXX i need your help thank you.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX JeffCapSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete.

The following inquiries are unauthorized.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

At the time the loans were in repayment. Navient did not inform us regarding payment of the loans. In addition, the loans continued to grow due to interest. After a year of interest being added to the loan, we were notified that we needed to pay the accrued interest as well as late fees that were added to the unpaid months. As indicated earlier, we were not notified regarding the payments ( statements did not come to the home ) however we did receive the statement requesting the payment for the late fees and accrued interest. In addition, we have been in contact with Navient informing them that those payments are not possible and if we are able to obtain payment options. We were told we would receive the necessary paperwork however ; we have not gotten them. 

The loans were not paid for several years and as the person ( s ) responsible for the repayment we were not notified of the capitalized interest on the loans and late fees. In addition, the owners of the loans did not notify us about the possibility of sending the loans into default of options to resolve the payments for the loans.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (NC)

Convergent Outsourcing just reported a {$400.00} collection account on my credit report. Prior to this account appearing on my credit report, I did not received notice of my right to dispute. And this is important, because I contest the charges.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (CA)

XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DC)

On XX/XX/2016, while in XXXX, I purchased a leather jacket for {$1300.00}, which was to be shipped to me, so I left the merchandise with the vendor. The next morning, I realized that I did not want the item, so I went back to the vendor to ask that he not ship the item and provide me with a credit back to my account. The vendor refused to provide a refund and stated that he would only be able to do so AFTER he shipped the item to me and I was able to return it to him. I filed a dispute with Citi Credit Cards and received a provisional credit while they conducted their investigation. I provided them with all the information that they requested, except for once I accidently forgot to include an attachment, so the investigation was closed. Citi agreed to re-open the case after I provided the information that was missing from a previous email. In the end, they stated that they could not credit my account because the VENDOR ( in XXXX ) said that he never received the merchandise, despite that it was returned to the location from which it was sent, a XXXX XXXX in XXXX, XXXX. 
When the vendor refused to grant me a refund until AFTER he sent the merchandise to me, I understood that he would make it difficult ( if not impossible ) for me to undo the sale. I am not certain if he received the merchandise back or not, but I do know that it was signed for at the XXXX XXXX, which is where FedEx ( the original shipper to me ) returned the package. According to Citi Credit Cards, the vendor says that he did not get the merchandise ; however, I know for a fact that he did not want to issue a refund - even before he mailed the merchandise that I NEVER took possession of. 
So, now, Citi Credit Cards is making me pay for merchandise that I do not have because the vendor, who was unscrupulous to begin with, is saying that he did not receive return shipment, which, if it is true, may very well have been by design. 
Is there no law against having to pay for merchandise that I did not receive, especially, when the Vendor shipped the items against my will - and I have done EVERYTHING in my power to return the items back to him? Should n't Citi Credit Cards be obligated to write this off to their " bad debt '' account, as opposed to forcing me to pay for a good that I do not have and did not want? I believe that it is unfair to put me in the position of proving that the VENDOR is not telling the truth ( that he did receive the package ), when they have no proof to the contrary - other than his statement. Should n't they be giving me ( their customer ) the benefit of the doubt OVER a vendor with whom they have no other ties? 
I feel like I have been victimized by the vendor in XXXX AND Citi Credit Cards. They did agree to give me a {$230.00} credit, but that still leaves over $ XXXX that has been charged to my account for something that I did not receive the benefit of. 
Please help.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened an XXXX credit card and gold membership debit card as part of their promotion online where if you spend {$3000.00} in 3 month on the credit card and then have a balance transfer of {$1000.00} and two direct payments on a debit card you would obtain XXXX miles from credit card and XXXX miles from debit card. 
I did just that and was credited my miles from the credit card right away. However, the debit card did not give me any miles at all. I called the company and was told that I did everything the promotion needed and that miles would be given to me in 3-4 months. I waited and paid the $ 30 monthly fee to only get nothing. I called back again and was told that they would open a fast investigation to see the problem and contact me 30 days later. 2 months later I received nothing and again called the bank. At this point, no one knew the problem and I was on the phone for 1.5 hours and nothing was resolved. 

Finally I called again at 11 months of being a member and was told at that point that this was a directed promotion and I did n't qualify. They were not sure how I got it since I was n't targeted and could not credit me my points. I asked how could I have been allowed to do this if I was n't targeted and they did n't know. They confirmed that nothing pops up if you are not targeted so they essentially take your money and give you nothing in return. 

At the end, they said it was " odd '' that I was able to get this promotion but there was nothing else that could be done. As such, I feel I earned my money and any reasonable person in the court of law would agree that unless they prompt you on the screen that I am not targeted, I am inherently expecting the points.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.
Consumer complaint received 2024-08-29
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- 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 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 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 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 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 - X Negative Was CO days late XXXX time ( XXXX ).,, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX LEASED VEHICLE WITH WELLS FARGO BANK 60 MONTH LEASE WITH PAYMENT HISTORY CURRENT THROUGH XXXX XXXX XXXX XXXX VEHICLE TOTALLED IN ACCIDENT DURING XXXX INSURANCE PAID REMAINING BALANCE ON LEASE IN FULL XXXX XXXX XXXX, WELLS FARGO REPORTED TO ALL XXXX CREDIT REPORTING AGENCIES THAT MY LEASE AMOUNT OF {$25000.00} THAT ORIGINATED IN XXXX XXXX WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY FILED IN XXXX XXXX, DISCHARGED IN XXXX XXXX. 
THIS INACCURATE REPORT HAS CAUSED FINANCIAL HARDSHIP TO THE EXTREME THAT I HAD TO PAY EXHORBITANT INTEREST AND FEES ON LOANS, IN ADDITION, I AM NOW WITHOUT A VEHICLE DUE TO THE REPORTS CAUSING ME NOT TO QUALIFY FOR AN AUTO LOAN ANYWHERE IN THE UNITED STATES. I HAVE DISPUTED THE ERRORS NUMEROUS TIMES WITH ALL XXXX CREDIT AGENCIES WITH XXXX RESULTS OF REMOVING THE ERRROR REPORTED BY WELLS FARGO. INSTEAD, WELLS FARGO CONTINUES TO UPDATE THE PAID IN FULL LEASE ACCOUNT FROM XXXX AS DEROGATORY.
Consumer complaint received 2016-07-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dealership Services ... ... charged off my account while knowingly waiting for insurance payments from my gap insurance. They refuse to delete the charge off on my credit report. There customer representatives constantly lied to me during the whole process which took 6 mos to rectify. I was the only person making calls in reference to my joint account. This company lacks professionalism ... .and honesty. I have done nothing but communicate with them during this 6 month period. In return, I get a deragotory statement on my credit report as if I was refusing to pay them. I kept in contact with them even though they did not contact me back.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

I received a fraudulent check as the result of responding to a job opportunity posted on a XXXX University website. I deposited the check in good faith to my personal BB & T account and, in accordance with instructions from the unidentified perpetrator of the fraud, I withdrew funds from that account when advised by BB & T that said monies were " available. '' In turn I deposited {$5000.00} to a Wells Fargo Account - the name and number of which I was given by the perpetrator and I wired {$300.00} to a person whose name was also given me by the perpetrator - in CA - also as I was directed. 
There is ample evidence that I did not benefit financially from this scheme. I was not made aware of the fraud until XX/XX/2016 when BB & T froze my account and confiscated the remaining balance, including approximately {$400.00} of my own money that pre-dated the deposit of the bad check. Subsequently, I have cooperated with BB & T branch employees at your XXXX office, the XXXX Police Department, ( Det. XXXX, XXXX, ( File XXXX ), and XXXX University, ( Investigator XXXX, XXXX ), who, in-turn, notified XXXX Bank, ( Investigator XXXX, XXXX ). 
Besides taking the balance of funds that pre-dated the bad check, BB & T is threatening legal action against me, including the filing of adverse credit reports with various credit reporting agencies. I have been told by persons who have examined a copy of the fraudulent check that BB & T should never have deposited it in the first place because the check itself bears an admonition that " two signatures are required if over {$5000.00}. '' ( The check shows only one signature and it is illegible. ) If the banks mistake in depositing the check is the source of all subsequent problems, including the loss of more than {$5300.00}, I would like BB & T to admit their mistake and forgive me the debt they are pressing to collect..