davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage. 

As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours. 

Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair! 
NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price. 

The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ). 

Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX  ; why would Chrysler release a title if funds were owed?
Consumer complaint received 2024-10-31
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. (TX)

Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

I had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (SC)

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealers XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (SC)

Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all XXXX bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX na XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Cr XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXe # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NJ)

Hi, I would like to complain and dispute about Debt Collection which is not belong to me. 
In my credit report, I have a collection from OXYGEN XL. Original creditor is XXXX XXXX XXXX. 
This collection account is not belong to me. I called both company and asked them where this collection is coming from. They told me that there was a merchant credit account opened under company named called XXXX XXXX XXXX. I told them that this can not be, because I was an employer, an officer for that company. This company is one of XXXX account for XXXX XXXXXXXX XXXX XXXX XXXX which I worked for a period of time. This company owned by XXXX XXXX. I said, I worked for him between XXXX to XXXX. 
I left the company and I moved to Connecticut XXXX XXXX  If you look to the date the account open was XX/XX/XXXX - I was not even living in XXXX that time. 
NO matter how much I try to explain collection agency, they keep telling me we have your information, your name is in it. I said, can you provide me the contract for the merchant account. They are not giving me the the contract or any other information that shows I did open the account, they keep dodging my giving me the contract. 
I disputed with XXXX, however, they denied my dispute. I do not believe that XXXX did any due diligence. There is no way, this account opened by me. My previous employer stole my info and opened the account. I am a victim of identity theft. 
I hope you can help me about this collection which is not belong to me.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : KAY JEWELERS Account Number : XXXX
Consumer complaint received 2024-11-01
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. (CA)

I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (KS)

We arrived at XXXX XXXX airport at XXXXXXXX XXXX on XXXX XXXX. As I was looking up an XXXX driver, my husband went outside and came in and said there was an XXXX driver outside. I said it says {$28.00} on the app and he said ok. We didnt check his ID ( I guess because he was at the airport ). He took us to apt- about 15 min drive. I gave credit card and a {$10.00} cash tip. 
When we received our credit card bill, it said {$450.00} for 15 min drive. ( when we returned from apt to airport, our fee was {$20.00} with a legitimate XXXX. 
The credit card company CITI sided with the XXXX. XXXX XXXX Because they sent a fake receipt with false signature. 
It is obviously fraud because we can prove when we arrived at airport and when we arrived at apt . Only a short drive- could not be {$450.00}. 
I thought that credit card companies were supposed to assist customers when there is fraud involved in a transaction When I checked on filing a police report, the police officer couldnt believe that the credit card company would not help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Paramount Capital Group, Inc. (TX)

Good afternoon Sir/Madam Last year at XXXX I thought I signed contract with XXXX XXXX for XXXX Training and I didnt complete it, just attended for couple of days then XXXX XXXX XXXX after that my grandma went to intensive care at XXXX so I fly back there when I came back I sent email to my recruiter at XXXX and we agree after I took my XXXXXXXX XXXX  she will get me back to school. But what happened my grandma passed away so I need to go back and my mother got sick so I stayed for 3 month when I came back tried to get in touch with my recruiter but never answered me anyway I found the loan was from banks, I tried with XXXX XXXX either they get me back to complete my training or send the money back to the bank, the respond was get another loan to go back or call the bank this is not fair! I called the bank they told me either to pay the money or call XXXX XXXX! 
I felts I got framed from both of side as I was welling to just pay what I attended. 
Sorry if I got to long just to explain all details as I feel I got scammed by two companies, hope you get justice for me as the end I told them that I am going to complain for counsumer protection they said go ahead Regardless XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX around XXXX I made a check and cash deposit at the ATM, I have made big deposits before so I have never had anything like this happen to me. 
When I deposited the checks everything was okay but when I made the cash deposit ( {$700.00} to be exact ) the machine locked up and the screen went blank and asked me to call PNC. I waited at the ATM until I got a representative on the phone to see if they could send someone out to get my money. They advise me I could leave and that the money will be counted and replaced into my account. Come XX/XX/XXXX PNC then takes the {$700.00} out my account saying no error was found? 

I called my local branch they are getting the escalation department involved but in the meantime the customer service rep files a second dispute. 

On XX/XX/XXXX after XXXX of playing phone tag with the escalation department I am then told since the second dispute has been filed we will need to wait for the outcome. PNC bank has access to all of my information and now I feel like they are holding my business funds and this is not okay. I also have to wait an additional XXXX days for this outcome. I need to report this bad business practice so others can know what to do it this happens to them.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (VA)

XXXX has consistently charged false invoices to my account for over a year, since XX/XX/XXXX, totaling hundreds of dollars. I did not send the packages for which they have charged me. I have no knowledge of them whatsoever. From googling, this appears to be some sort of common thing for XXXX. 

On multiple occasions, I have called XXXX to dispute these charges ( since their website automatically declines a dispute the instant you submit it ), spending hours on the phone with a call center. In a number of instances, they simply removed the charges and promised it would not happen again. But it did. After several calls, I finally asked them to cancel the account, which they confirm they did on XX/XX/XXXX. Nevertheless, in the months since, they have sent numerous additional false invoices, which I ignored based on comments from XXXX to do so. 

But on XX/XX/XXXX, a debt collector from RMS, contacted me about the outstanding charges for hundreds of dollars. I explained the situation to her, and she also confirmed that her file showed my XXXX account had been cancelled on XX/XX/XXXX -- before any of the invoices she was attempting to collect payment for had been issued. She instructed me to again contact XXXX and then get back to her. I have done so twice. Both time with promises from XXXX that their " back of house '' will zero out the charges and make sure my account is actually closed and no longer result in false charges. 

So, far nothing. No confirmation. No removal of charges. The false invoices are still shown as past due. The debt collection is still hanging over me. 

In light of these circumstances, XXXX is committing fraud and knowingly harming my credit, despite multiple acknowledgements by them that these charges are not actually owed by me. I am wasting hours and hours of my life trying to politely get them to leave me alone. 

The problem here is primarily one from XXXX, but RMS should not be attempting to collect debts when their file shows that the account was cancelled before the debts were supposedly incurred. There is no good faith basis to attempt to collect debts that are facially absurd.
Consumer complaint received 2024-10-07
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-31
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. (NC)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX, XXXX XXXX XXXX, XXXX, NC, XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

request to update report with accurate information, and remove all old addresses on my account, some of these addresses I never resided at and others are over ten years old. request to remove numbers connected to my account. I do not have an active telephone number or employer at this time. all of this information is on my report and inaccurate. a request was sent out on XX/XX/22 in writing and closed already without any changes made to my report.