davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NY)

XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account
Consumer complaint received 2018-09-30
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 I submitted a debt validation letter to Wells Fargo for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and XXXX advised me to dispute this information directly with Wells Fargo, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and Wells Fargo has failed to provide any validation of debt as requested. I received a letter from Wells Fargo showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as XXXX. Wells Fargo is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

PayPay opened a line of credit in my name without my authorization or without notifying me. I only found out when I received a bill via email for a charge that I didn't make. I don't use Paypal, I opened an account in about 2011 and never used it. I certainly never authorized a line of credit and never accrued this charge ( especially considering the fact that I have no idea how to log in ). I reported the false charge to PayPal in early XX/XX/XXXX  and reported that I never authorized the line of credit. They said that they would look into the charge. The next month I received another bill, this time for a higher amount. I called PayPal again in XX/XX/XXXX and again reported the false charge and the unauthorized account. Again, they have done nothing. Now, in XX/XX/XXXX, I just received another bill for a higher amount. I have tried to resolve this multiple times, but PayPal, despite creating an illegal credit line without authorization has refused to resolve this issue. I am not paying for a fraudulent charge on a line of credit that I never authorized and that was illegally created.
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (NY)

I fully paid off a loan with XXXX  XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions. 

UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.
Consumer complaint received 2018-10-05
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: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). XXXX XXXX XXXX , XXXX lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.
Consumer complaint received 2018-10-01
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. (TN)

On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, Equifax, XXXX, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of 19 negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from XXXX stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from Equifax was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from Equifax regarding the investigation process. 

The last response that I received from XXXX  stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry from XX/XX/2018+ XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2018-08-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I am unable to make the high payments. Over the past year every time I call Navient I am given different information, am told I am not eligible for programs, given different amounts and dyes due. Last time I call I was told I can not enter a program. I called again and entered the same program one month later. Navient then reported me 60 days late on my credit reports.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (OH)

CAPIO has reported two accounts both of which have been disputed and removed by all credit bureaus. XXXX XXXX XXXX just removed it off. Now this company has reported it and 1. Never received written notice that they had it or that it was going to be reported! My info was stolen years ago and that debt is not mine. Plus my info has once again be stolen as I was part of the XXXX  breech. They should not be allowed to keep reporting the debt/account once it's been disputed and removed!

Once I learned that this hit my credit I called the company and the man was very rude claiming that i owed it and I need to pay it and said they didn't have to send me anything before reporting it.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ISCC, LLC (NY)

I am filing this complaint against XXXX XXXX, Mediator, Instant Settle Consultants LLC, located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. On XXXX, I sent her through email a letter about the discrepancies about a settlement account that we, my wife and I have established since XX/XX/XXXX. After I indicated to her the discrepancies and false statements that she made over the year about the account that she was solely managing. I also requested a reimbursement of {$600.00} since we had a balance of {$2800.00} while she claimed a balance of {$2200.00}. She promised to look into with her lawyer since then. 
On the spreadsheet ( see attachment ) sent on XX/XX/XXXX, she provided a spreadsheet with the following : Total Deposits : {$5500.00} ( details on Spreadsheet ) Merchant fees : {$190.00} Settlement 1 : {$1200.00} Settlement 2 : {$1300.00} Settlement fees : {$500.00} Balance : {$2200.00} Despite, my multiple requests, she never provided details of the two ( 2 ) settlements that she has made on behalf on my wife. I requested the reimbursement of the balance of XXXX at that time when I became increasingly suspicious of her actions. It took a long time before she wired the money to my XXXX   XXXX  account for the amount of {$2200.00} In a letter to my wife, dated XX/XX/XXXX ( see attachment ), she claimed that the total Deposits since XX/XX/XXXX to XX/XX/XXXX : {$4900.00}. This is incorrect since I made 15 deposits, not 13. Her own  spreadsheet and snapshots support that. On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account the same day ; and on XX/XX/XXXX for {$300.00}. As well, On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account on XX/XX/XXXX ; and on XX/XX/XXXX for {$300.00}. She had confirmed these deposits on her XX/XX/XXXX email, which is attached as well on the spreadsheet that she sent to me on XX/XX/XXXX. Therefore, the total deposits on the Trust account were {$5.00}, not {$4900.00} as stated on her XX/XX/XXXX letter to my wife. In the same letter, she added the following : Payments made to XXXX XXXX for XXXX : {$2000.00} Fees earned for the XXXX Settlement : {$610.00} Refund sent to Citizens bank : {$2200.00} Contrary to the facts that you provided on XX/XX/XXXX, it appears that you have settled only ONE of my wifes accounts. Therefore, you did not settle her Citi/bestbuy account as previously stated. Instead of {$2200.00}, you should have refunded to my XXXX XXXX for {$2800.00}. But she refunded only {$2200.00}. Therefore, you owed {$600.00}. I requested the refund of the {$600.00}. Once again, she is using the same deceitful tactics to avoid sending the {$600.00} that she has been holding I will greatly appreciate your assistance so that XXXX XXXX send the remaining {$600.00} on the balance she has been holding. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Attached is the supporting docs - two issues ( statement needed for hardship loan & on going issues with Rushmore ) RE : URGENT : Hardship Loan from 401K - Loan : XXXX Please send me a copy of my statement or documentation needed to receive Hardship Loan from 401k. 

The request for statements have been outstanding since the loan was sold to Rushmore. XXXX had the reaffirmation document from my bankruptcy that was discharged in XXXX. Ive sent this doc 2x to Rushmore and I still do not receive statements. 

I need this documentation ASAP to receive the funds to clear the account. 


Thank you, Next issue : Statements needed Hardest Hit did not honor the contract I signed - had to take out " hard loans '' ( attached ) XXXX Inspector - no resolve Waiting for Inspection from Rushmore - Insurance and Engineer came out in XX/XX/XXXX FEMA check - need it endorsed so I can pay off previous debt for Irma and assist in getting work completed Case Manger does not respond timely and when I ask for communication via email or leave message - its ignored ( cell phone goes off - unable to dial out )
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Service Systems, Inc. (AR)

On XXXX at XXXX am XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. I am also aware that the Health Insurance Portability Act or ( HIPPA ) regulations in the United States prevent any medical documentation to be shared. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Hello, On XX/XX/XXXX I made a purchase on XXXX, I purchased an XXXX XXXX ( mining equipment ). I paid for it with my Bank of America REWARDS VISA SIGNATURE credit card that ends in XXXX, the amount i paid with my credit card was {$6400.00}. 

I was sent an item that didnt match what i purchased, item not as described. I raised the issue with XXXX and they said if i sent the item back they would refund me my money. I sent it back on my expense, they did not refund me. 

I went to Bank of America early XXXX to dispute the purchase. I sent them a letter, pictures of the item i received ( not the same as what I ordered ), sent them the tracking code of the return shipment to XXXX Bank of America has not helped me so far, actually a few days ago they put the charge back on my account. 

Bank of America claim number is : XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

This week XXXX removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - XXXX, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also LEXIS NEXIS stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (CA)

I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.