davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan. 

I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late. 

AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices. 

Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.
Consumer complaint received 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

In XX/XX/2019, I called my mortgage company because I was starting to fall behind. They informed me that they could not offer me any options to help me. I asked them whether or not they had heard of XXXX XXXX Michigan ( my state 's hardest hits fund program ). They stated that they had not heard of this even though they are one of XXXX XXXX  's approved lending companies that they help with. They also told me that they frown upon me receiving outside help and it could hurt me in the future. Therefore, I was led to believe that a foreclosure was guaranteed and that because I had some late payments ( 10 days or less ) they were going to use that against me in the foreclosure process.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (CO)

XX/XX/19 I have attempted to obtain information from XXXX XXXX XXXX  about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. XXXX XXXX XXXX  claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is Unifund CCR , LLC. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC. (IN)

I am now getting a " Final Notice '' letter from Midland Credit '' MCM stating that if I do not pay this amount they will turn account over to a collection attorney and I will have to pay the amount in full along with attorney costs. This is the only letter I have received so far and I do not agree with the amount they have listed on their bill. I have sent a letter to MCM but they are refusing to respond back because they would much rather see people sued so they can get more money in their back account. I am struggling to keep up on other payments and obligations as it is and they want to make threating attorney statements. I want this matter resolved and a conclusion made regarding this matter before I have to file for bankruptcy. this would not be my preferred choice but may be my only option at this point.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : 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 never owned a XXXX  XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC (GA)

I had a debt with XXXX XXXX, I got behind and they contacted an attorney to serve a judgement. I contacted through their attorney Brock and Scot and made arrangments to pay. They continue to update XXXX and XXXX falsely month over month with a past due balance of {$270.00} I have disputed with everyone. They send me back notices saying they verified with XXXX XXXX its correct. I have contacted the attorney they say they have notified them its paid. They provided me documentation its paid in full and I even submitted that documentation to the credit bureaus and they refuse to correct the information with proof I provide. XXXX was the only company to correct it when disputed. At this point I demand they delete this from XXXX and XXXX. I have been harmed month after month even after I provided proof to each bureau of its inaccuracies..I have been denied credit based on this and I have tried for 3 months to give them an opportunity to correct there mistake. This is unfair and most importantly inaccurate and the fact that this company has verified information as accurate when it is not month over month is mind blowing. Also the fact that XXXX and XXXX get away with ignoring valid documentation to correct is appalling.
Consumer complaint received 2019-11-01
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (SC)

I was advised to purchase a prepaid package of waxing services from the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Although I still had services left on my current package that would last me until XX/XX/XXXX, I did so since they were offering additional free service. Based on my usage the new package would cover the period from approx XX/XX/XXXX - XX/XX/XXXX. When I called to make an appt on XX/XX/XXXX, I was told XXXX had sold but the new owner would honor the prepaid packages until XX/XX/XXXX. The representative of the new store, XXXX XXXX, said I should contact XXXX for a refund of the new package since there was no way I could use it by XX/XX/XXXX. She also indicated most customers did not get a response and therefore declined the payment through their credit card company. I called and emailed XXXX with no response. I disputed the charge with Chase on XX/XX/XXXX however, the merchant indicated they believe the charge is valid and Chase rebilled my account. I spoke with Chase and explained the situation and was told to resubmit more detail which I did but I received a letter indicating the charge will stand. The merchant provided a history of my visits which clearly shows I will not be able to use the services I was sold by XX/XX/XXXX. XXXX should not have been selling prepaid packages giving their upcoming sale which I am sure they were aware of. Additionally the new wax center is not of the same quality as XXXX and I am not able to obtain services there. I did go and use one of the remaining services on my existing packages and the inferior wax product combined with the use of baby oil versus aloe after the waxing caused an XXXX XXXX. Chase is definitely not a customer friendly credit card company if they think the merchant should be credited for this amount.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.
Consumer complaint received 2019-11-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (IN)

I leased a XXXX  XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone used Bank of Americas virtual teller function on their ATMs to fraudulent withdrawal {$1200.00} from my checking account on XX/XX/2019. I reported this to BoA on XX/XX/2019 and they opened an investigation. I was told that no PIN number or ATM card was used but only a photo ID. I additionally filed a police report and reported this to BoA. It should also be noted that my daily ATM withdrawal limit is set at {$710.00} per day, {$480.00} less than the amount that was successfully withdrawn. BoA gave me a temporary credit for the full amount to my account on XX/XX/2019. I subsequently received a letter from them on XX/XX/2019 stating they had determined that this was an authorized transaction and the credit I had received was removed from my account on XX/XX/2019. I spoke with a representative from BoA on XX/XX/2019 and was told that the determination was made because the person on the video matched the photo on the ID. They subsequently stated they would reopen the investigation as the notes did not indicate the fact that I had filed a police report despite me making a specific phone call to report this to them on XX/XX/2019. I have since sent BoA a certified letter with a copy of my drivers license requesting my money be refunded but have not received anything from them. I was told that since the investigation was closed and then reopened that there would be no definitive timeline for resolving this issue.
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (IN)

I receive a minimum 2 calls per day from a phone number I don't recognize. These phone calls always come when I'm busy with work or kids events. I have not received any written communication or bill from the company. With the amount of fraudulent calls that are typically scams, I no longer answer the phone from numbers I do not recognize.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all XXXX credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.
Consumer complaint received 2019-11-02
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: Ability Recovery Services, LLC (FL)

I was checking my credit report last week on XX/XX/19 when I noticed a hard decline in my score. I noticed that a collections agency was on my credit report and I have no knowledge of the debt. I reached out to the Hospital that was listed under the credit agency and they advised me that they have no balances associated with me and they never sent anything to collections with my name. I have tried calling the collections agency and have yet been able to reach anyone there. This is a fraudulent debt and I need this to be removed from my credit report as soon as possible.
Consumer complaint received 2019-11-01
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. (CO)

Experian does not allow customers to unfreeze without either A ) sending social security documents ( social security card, driver 's license and utility bills ) through the mail addressed to " Experian Credit Freeze. '' or B ) paying {$24.00} per month so that customers can lock and unlock credit at will. 

This is explained in an " educational '' article about the difference between a credit freeze and a credit lock. Within the article, scare tactics are used to influence the customer to buy " Creditworks '' by citing fraud and the darkweb. https : //www.experian.com/blogs/ask-experian/whats-the-difference-between-credit-freeze-and-a-credit-lock/ XXXX and XXXX allowed me to easily unfreeze my accounts free of charge. Experian gives the illusion that credit can be unfrozen easily by retrieving a PIN. This does not work and ends with a page about how to send in a letter with copies of ALL important documents. The outside of this envelope must say " Experian Credit Freeze. '' This seems to be a huge flag to anybody attempting to steal somebody's identity because the mail parcel is sure to have personal information in it. 

It is not fair that I have to choose between paying money or taking on a fair amount of risk to unfreeze my account. Not only that, but we are trying refinancing our home while the rates are so low. This is going to take a lot of time to have resolved by sending in my information by mail to the company. This will impact the rates that we can get on the refinance. 

There is no customer service to help me remedy the situation. The numbers given on the website use computer-generated options menus and do not have any options to speak to a person.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I can't get Transunion Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of Transunion is N/A.

XXXX  is XXXX and just fine.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a summons for a credit card debt that does not belong to me and this company is trying to take me to court for something that is not mine and i want them to stop contacting me by mail and phone. This is not even my name on the paperwork.
Consumer complaint received 2024-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). This entry, relating to an auto lease, is reported incorrectly in several areas and does not reflect my account status accurately. 

Details of Disputed Entry : Account Type : Auto Lease Date Opened : XX/XX/XXXX Reported Balance : {$26000.00} Account Status : Derogatory, marked as " Collection/Chargeoff '' Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Comments : Charged off as bad debt ; Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2019-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Hello I just noticed that Capital One has marked an account that I was an authorized user on as closed. 

I need this fixed / late payments removed immediately, Unfortunately this is from a relationship that is no longer together ; however I wasn't aware of this accounts status as I have been out of the country. Please let me know what to do about these accounts below. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$28.00} Opened XX/XX/XXXX ( 1 yrs,  10 mos ) PAYMENT HISTORY You've made 86 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status red_status red_status red_status XX/XX/XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 90-119 Days Late Amount past due {$190.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/1 Closed XX/XX/XXXX The other account is OVERVIEW Credit limit {$500.00} Minimum monthly payment {$37.00} Opened XX/XX/XXXX ( 1 yrs, 3 mos ) PAYMENT HISTORY You've made 71 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX green_status green_status green_status green_status green_status red_status red_status red_status red_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 120-149 Days Late Amount past due {$260.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/2 Closed XX/XX/XXXX My account that is still open and active is the account that I have continued to keep open / current etc w no problems so I would really appreciate some help with this. 

I need the late payments removed // fixed on my report and the issue fixed as soon as possible.
Consumer complaint received 2024-10-29
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.