davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %. 

I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account. 

With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work. 

What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.
Consumer complaint received 2015-06-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Santander had picked up my vehicle as a repossession due to non-payment. Within XXXX hours, I had picked my vehicle back up, paid all applicable fees to have It released to me and have not had any problems since. To date, the company still shows the account as charged off and rarely updates the balance due. I pay my regular note each month and they are still reporting as a charge off. According to the definition, a charge off is considered uncollectable debt. My biggest concern is that it should show an updated status versus charge off. Also, the lender may have written this debt off but collected the credits at year-end that came with the write off. Is n't this double jeopardy, especially if I have the vehicle and am still making payments?
Consumer complaint received 2015-05-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I had a loan with XXXX XXXX on a car. Santander bought the loan I have had nothing but trouble since then, if I was late they charged huge fees and XXXX months ago my truck was repoed and taken XXXX miles away it cost me {$1000.00} to get there take off work and pay santander XXXX dollars, the loan they said was XXXX days past due but I know there was only XXXX XXXX XXXX I got it back they said they wanted {$900.00} more.I have the truck now and they are sendingme letters saying the loan is passed maturity and I owe them fees in the amount of {$3300.00} and it shows it to all be due now.I know there is no way I owe this and feel I have paid enough the loan started XXXX yrs ago. I dont have much money and it is unfair practices on there part I keep asking for them to show me how on a $ XXXX loan I could owe this and they never send printoutsPlease help me they prey on people that are poor and withouta car I cant work. I have gotten soooo mad and it is not good for my health
Consumer complaint received 2024-08-20
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. (CA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential XXXX XXXX. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential XXXX XXXX. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: We Collect Inc (CA)

I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (UT)

This agency will not contact the original debtor to let them know I settled the account. Now another agency is contacting us for funds that were paid 6 months ago. I have called them back multiple times to ask that they contact XXXX XXXX XXXX and let them know the account has been settled. They are now asking me to take letters to XXXX XXXX XXXX and to the other credit agency, which is something they should be doing and should have done 6 months ago. This would n't be a problem today if they had properly notified XXXX XXXX XXXX.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: A.R.M. Solutions, Inc. (CA)

A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.
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: Experian Information Solutions Inc. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LPSG (HI)

Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc. (UT)

I received a collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Robert J. Colclough, III (CA)

I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
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: Experian Information Solutions Inc. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.