davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I took a loan as primary and my sister as secondary for a loan from XXXX XXXX XXXX XXXX XXXX XXXX Drive Financial XXXX XXXX XXXX on XXXX in XXXX Texas. XXXX after signing the documents we told the dealer and auto loan company that the interest amount and term was incorrect. They would not correct it and told us that it was too late and that we had to pay it. Furious, we contacted them again and told them that we were going to file complaint. We did several times with credit bureaus. We did n't know what to do. We contacted them in XXXX and XXXX stating we wanted to give car back and cancel contract XXXX Drive said no and we had to pay in full the balance. Finally the car died and was unrepairable, so XXXX called to have it picked up after we missed several payments. Now the terms of the loan and balance are still incorrect on my credit reports and after many disputes filed, they are still reluctant to correct the problem.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Card, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
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. (LA)

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

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 XXXXXXXX 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 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax should have arrived at the correct resolution to the following dispute, in light of the fact that the debt collection agency that placed false information on our accounts is in violation of Federal law. They should also restore us to a high credit score. 
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court, and the amount the court requested, which again we satisfied, was already much lower than what XXXX XXXX XXXX is claiming to collect. My wife and I should be compensated for the monetary value of the combined change/loss in our credit scores due to their false report. 
Most importantly, they must cease and desist from wrongfully reporting the legal status or amount on our credit reports.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

This is the the results from the from the so called investigation. XXXX is saying that the account is open, and unpaid, but when you call XXXX XXXX XXXX they say they sent the request to delete the incorrect information on XXXX/XXXX/2016, but Equifax sent me the following information : & gt ; & gt ; & gt ; We have researched the collection account. Account # XXXX The results are : Additional information has been provided from the original source regarding this item. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX I, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Insurance ; Client XXXX ; Amount {$84.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$84.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX TX XXXX Like I said above, XXXX said that the account should be deleted, so I am trying to figure out what type of investigation Equifax is doing when the people who entered the information is saying that they sent a deletion request on XXXX/XXXX/2016, and Equifax is saying that the information is accurate on XXXX/XXXX/2016.
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.
Consumer complaint received 2015-03-26
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Century First Credit Solutions (NY)

the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me the runaround as to returning my money. i believe that this company is a fraud and should be reported and penalized.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2024-10-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MRS BPO, LLC (IL)

I am XXXX  and used telecommunication device to call. They hung up the phone on me. 
I called back and they would not answer. I had someone call for me and they said they would call me back. They never did. I had someone call for me again and they said they could not speak to that person and they threatened to take me to court. They called a line based number but again would not talk to that person even though they told them I was deaf so the person asked them to stop calling. I received a settlement letter and called and left a message for return call but again they never did. I called again and no answer. I am disable and receiving disablility and unable to pay. Months later they sent more documents asking for payment but won't accept my relayed calls. 

This whole process after years of wating, denied secondary exemption and began again XXXX 2024. I just received a package in XX/XX/year> and seems this whole process is starting all over again. I am XXXX  and us telecommunication device or another perso to speak for me. I am currently on XXXX and am asking them to honor the request to exempt and cancel all debts in regards to this matter. To cease threatening me with court and when a XXXX  person calls to accept the call and return calls when promise they will do so.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NJ)

One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Notice of error : Moving for Foreclosure Sale ; Violation of Civil Rights I am writing to notify Consumer Financial Protection Bureau that Wells Fargo is violating the Servicer guidelines. I submitted a complete application with XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX is offering a solution to save my family home by purchasing our property from Wells Fargo in a short sale and selling it back to me. In this way, XXXX passes along the savings and gives me a mortgage I can afford. I learned yesterday from Wells Fargo that my application was denied through XXXX. The Wells Fargo representative told me in a telephone conversation that my application was denied because the sheriff sale is scheduled for XXXX XXXX, XXXX. I have not received any written notification from Wells Fargo. This is an obstructionist act. Wells Fargo is the entity that controls the sheriff sale process. Wells Fargo could easily adjourn the sale ( which is first date ) and provide us with time to process our application. Wells Fargo is violating the CFPB guidelines by refusing to evaluate my application filed in coordination with XXXX XXXX XXXX. 
I believe Wells Fargo is discriminating against me because I am XXXX and live in a community of XXXX. My home is in XXXX, NJ which has been destroyed by Wells Fargo and other predatory lenders. There are no property sales in XXXX. It has a XXXX property sale rate. That means that if Wells Fargo does not give the opportunity to purchase my home back from XXXX XXXX XXXX, my family home will be vacant and my family of XXXX will be homeless. 
Please urge Wells Fargo to adjourn the XXXX XXXX, XXXX sheriff sale and provide time for XXXX XXXX XXXX to negotiate the purchase of my home.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (OH)

I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?
Consumer complaint received 2015-10-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. 

As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. 

They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. 

There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. 

The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.
Consumer complaint received 2016-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (IN)

I took student loans out to help pay for my college education. I graduated and have been on an income-based repayment schedule since then. My family has grown in size and it has become increasingly difficult to try and pay more than my income-based payment. Over the years, I have paid my payment every month and yet my loans have grown exponentially! This is extremely frustrating because now I ca n't even pay on my principal balance because the accrued interest is over {$10000.00}. If I understand all of this correctly, if I pay just the interest accrued every 30 days, plus a little more, it will go to the accrued interest balance, not the principal balance. How will I ever be able to get caught up?! These loans have been in negative amortization almost the entire time I 've been paying. I 'm not asking for a pity party, but how is this even fair? I 've done what was expected of me, and in the end, I 'm being robbed in interest payments! PLEASE, PLEASE look into finding a way to not allow the American citizens who have tried to better themselves by furthering their education, go bankrupt because of this unfair increase in student loans borrowed. To me, this is exactly what predatory lending is : charging me way more than what I borrowed, while telling me it 's okay that I only make my income-based payment.
Consumer complaint received 2024-09-26
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: National Credit Adjusters, LLC (DC)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.