davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander Consumer USA failed to accurately report payments made on the loan. The company charged off my account, repossessed my car and did not allow me to pay a fee to get my car back. They told me I had to pay the full original amount of my loan. 

Due to the pandemic I had some financial troubles and my account was noted affected by natural disaster from XXXX XXXX.The company violated the CARES ACT which requires that lenders continue to report the account as current : " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the account as CURRENT. My account was in good standing prior to this. During the pandemic I still was made payments however the company failed to report the payments as a whole or inaccurately reported the payments keeping my balance the same.

I disputed the inaccuracies and the company failed to accurately update the i
nformation that they reported to the credit bureau 's. Santander Consumer USA violated the 15 USC code 1681eb, the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as sloppy record keeping, carelessly reporting inaccurate balances, and illegally repossessing automobiles due to negligence of inaccurate record keeping. The Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requires you to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

I called midland to discuss the debt, they cant pull-up debts information using my phone number, when gave them my number they asked me if Im someone else, I think this midland account is not belong to my name
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 I looked at my Equifax 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 generally, 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 2023-05-23
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-23
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (MI)

TransUnion and XXXX, Subject : Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute several unauthorized inquiries appearing on my credit report. I am a victim of identity theft, as documented in the attached FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ). I request the immediate investigation and removal of the fraudulent inquiries detailed below.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regarding Account : XXXX  XXXX XXXX  ; Account # : XXXX 15 USC 1602 ( g ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE.
Consumer complaint received 2023-05-23
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2018 and a balance of {$0.00}. 

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-05-23
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. (WI)

Identification was stolen and XXXX XXXX XXXX with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

While an insurance claim on XX/XX/XXXX was being processed I continued to make loan payments to keep my account from being delinquent. After the insurance companies made their over $ 60k of payments to CHASE the account was paid in full and ended up overpaid because of my continued payments during the process. Over a month I contacted CHASE for a status on my overpayment refund as the loan was paid in full. They gave me some excuses and refuse to refund me my money at all stating that they needed more paperwork from the GAP insurance company, even though the loan was already fully and totally paid off. I was never informed of this ask from them until I called. I contacted the GAP company and they were not responsive with what CHASE wanted but they already paid. After contacting CHASE again on XX/XX/XXXX I was promised a callback from a supervisor because the agent I spoke with could not understand why my refund was not processed either. I never received assistance or callback. CHASE still refuses to issue me my refund for my over payment and XX/XX/XXXX said they will keep my money unless the GAP insurance gives them more paperwork. 
CHASE received the full loan repayment. They have their money. I just want mine. They refuse to offer to pay me interest on my funds that they are holding, they refuse to explain what that paperwork has to do with my overpayment of the amount owed, and are holding my money XXXX for something between them and the insurance company thats out of my control. CHASE was fully paid months ago! They will not explain the reason they want that paperwork, only that they are requiring it, and on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX at CHASE XXXX did not want to deal with my problem and even refused to answer my basic account questions such as what my original loan amount was, the balance, and she treated me very unfairly because I simply wanted a clear and full explanation of the problem. I am truly shocked by my treatment by her. Basically at this point there I was told by XXXX at CHASE there is no way for me to ever get my money returned from CHASE unless the GAP insurance company decides to give CHASE the papers they want. Getting the $ wasn't good enough for CHASE.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC (MT)

I was allowed to get out of my lease at XXXX XXXX  early because of an incident that occurred at the complex. I cleaned the whole apartment for 5 days and had the carpets shampooed with a professional carpet cleaner. I followed all of the instructions on the move out guideline the complex provided and beyond what they required since I had read all the XXXX reviews about the place charging grossly exaggerated move out fees. I took photos of everything and had the maintenance guy look at the apartment before I turned in the keys. I was out on time and left the place better than I got it. I month later I get some fees regarding a violation and the carpet. I disputed the charges with the complex and they only removed the violation. The carpet was not damaged, stained, or torn, according to their own contract, the damage would be considered normal wear and tear yet they decided to replace the carpet and send me the bill. I sent the collection agency a letter disputing the charges and gave them pictures and a copy of the contract but they ignored the evidence and proceeded to ruin my credit. I disputed it with XXXX and they have removed it twice, now I'm disputing it again and want to make a complaint again this gross overreach of unfair and unnecessary charges.
Consumer complaint received 2023-05-23
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: TD BANK US HOLDING COMPANY (GA)

TD Auto Finance is reporting inaccurate information on my consumer report. they are in violation of these laws. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, pursuant to 15 USC 1681 S-2 - Responsibilities of furnishes of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something How can a payment made on XX/XX/2022 causing an inaccurate mark for the month of XX/XX/2022? This is from your letter. 

You talk about the Fair Credit Reporting Act, and how TD Auto Finance is required to report all accounts fairly and accurately, but in the letter, you send me it shows that you are inaccurate you state in your letter that my XX/XX/2022 Payment effect XX/XX/2022 Payment.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been a victim of identity thifet and mail thifet and have Ben advised by my local police department to file for identity thifet, I just recently Ben aformed that I may have a bank of America pre paid card issued by the XXXX that I did not recognize and belive unauthorized transaction have Ben charged with out my knowledge or permission and would like to have an investigation to be initiated by Bank of America to dispute any charges that may have Ben placed
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/2023 around XXXX I went to login to my Chime bank account app to check my balances, but I was unable to login, it said my phone number and password had been changed. So I had to request a temporary link sent to my email to login. I logged in and I changed the phone number back to my phone number and I changed the password. In order to change these I had to verify my identity by sending a picture of front and back of my license and take a selfie picture and send it. After I completed all of that I went into the account and saw 5 unusual transactions that I did not make. XXXX ) XXXX, XXXX, XXXX posted XX/XX/XXXX at XXXX for {$12.00}. XXXX ) XXXX, XXXX, XXXX at XXXX also for {$12.00}. XXXX ) XXXX XXXX  posted at XXXX for {$8.00}. XXXX ) XXXX posted at XXXX for {$490.00}. XXXX ) XXXX posted at XXXX for {$990.00}. I immediately called Chime Bank and told them that my account had been hacked and there were 5 unauthorized charges made from my account. They looked it up and said that the charges were still in pending status and that they can not file a dispute until the charges settle, and once charges settle then I can file a dispute and it will take up to 90 days for them to investigate. I said if they're pending why cant you just cancel them? They said they have to wait for them to settle to do anything. They said if I wanted to speed up the process I could try to contact the merchant. I contacted the merchant and they said they would cancel the charges just have my bank contact them. I called Chime again told them the merchant said to call them and they will cancel charges. Chime refused to call the merchant. Couple days went by and 3 of the charges settled so they started the dispute investigation on those 3 charges. I sent them screenshots showing my password and phone number had been changed on my account and an email from merchant saying to have bank call them to cancel charges. The bank then denied my disputes for those 3 charges saying no error occurred. The other 2 charges ended up expiring and never settled so money went back into my account. I called chime again told them I wanted them to send me the documents they used to determine no error occurred and I asked them why would those 2 charges that went back into my account why would they never have been pushed through and settled? They said XXXX merchant must have seen something wasnt right so never pushed them through. I said why is it that merchant could see something wasn't right and not push the charges through to settle but you guys somehow can't see that something is not right?? I also sent them screenshots from my XXXX account that's connected to my bank which shows numerous attempts to login to my account with wrong password entered and these attempts were from XXXX, XXXX, XXXX, and several attempts from different states in the XXXX.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was contacted by Capital One Bank 's alleged attorney 's office via USPS claiming that I owed Capital One Bank {$8300.00} on XX/XX/XXXX. However, when I asked their attorney to verify the debt/amount due, they refused. I asked for the verification because in XXXX, Capital One Bank suffered a data breach that affected me as a customer, as I was told by XXXX of their representatives that someone opened an account under my name, and I believed the debt they claimed I owed is incorrect. Instead of verifying the debt, the law firm allegedly hired by Capital One Bank or the law firm that bought the alleged debt filed a lawsuit without properly notifying me with a summons. Upon my research of the law firm and their shady business practices, I decided to check court records and that's how I knew there was a pending lawsuit against me. As I retrieved the court documents and an affidavit produced by either the law firm or Capital One Bank, I used XXXX to identify the affiant and the notary public who signed what seems to be a false and robo-signed affidavit with two different companies. Now, doing further research, I see that XXXX XXXX XXXX was fined by the CFPB for predatory robo-signing practices and Capital One Bank along with their debt buyers are practicing the same fraudulent tactics that should be investigated, immediately! Attached to this complaint is an explanation for my claims against Capital One Bank and I am seeking monetary relief for damages as a victim of their shady business practices.