davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have filed a complaint against the dealer, XXXX XXXX , with the Florida Attorney General 's Office and received a call back from the Consumer Protection Division . The lady that called me said she was going to send me an e-mail so I could further explain the issue. I never received it. I have also filed a complaint with the Federal Trade Commission. 

I contacted the finance company after an unsatisfactory attempt to resolve the issue with the dealer. The dealer was supposed to call me back and never did. I was advised only the dealership owner could agree to take the car back. Once the paperwork is signed and the finance company has purchased the car via the loan, it is out of their hands. 

I attempted to contact the finance company to advise them of the fraud against them due to breach of contract. They told me there was nothing they could do. They need to provide me a copy of the credit application that was originally supplied by the dealer. I suspect there was information changed or added without my knowledge after-the-fact in order to get the loan approved.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX  XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. 

My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Account not mines, Inaccurate information, Account has been posted on my credit report since the year of XXXX, I have reached out to this company and has disputed this account on numerous occasions., Company never reaches out to me to solve this situation.

Account is still revolving on my credit report as a revolving account til this day, this account should have been removed from my credit report, The account is pass nine years old and it should not be revolving on my personal credit report Account # XXXX
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. (SC)

I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision. 

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data. 

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed. 
Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information. 
Evidence that my personal financial information has not been mishandled or improperly reported. 
Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 

Thank you.
Consumer complaint received 2023-11-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (AZ)

**Notice of Default and Opportunity to Cure** To Whom It May Concern, I am writing to formally notify you of a default under our an agreement dated XX/XX/, with NAVY FEDERAL CREDIT UNION concerning my application for a line of credit. 
Despite my eligibility and compliance with the terms set forth, my request for a line of credit has been denied. This action not only violates our agreement but also contravenes federal law, specifically infringing upon my rights as a consumer. It is important to note that company procedures do not supersede federal law. 
According to 15 USC 1602 ( F ), it is clear that access to credit is a right afforded to me. Furthermore, 15 USC 1693 ( a ) ( 3 ) explicitly states that discrimination against individuals exercising their rights under this statute is prohibited. NAVY FEDERAL CREDIT UNION company 's denial of my credit application is, therefore, a direct violation of these laws. 
To resolve this matter, I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account, XXXX XXXX Signed, XXXX XXXX XXXX PRIVATE AMERICAN, GRANTOR-SOLE BENEFICIARY, ISSUER NATURAL PERSON of principal account XXXX XXXX , ALL RIGHTS RESERVED, WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.
Consumer complaint received 2023-11-15
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Climb Credit Inc. (KS)

I took online classes with XXXX XXXX XXXX XXXX and XXXX XXXX, and they charged me {$15000.00} through climb. I filed a complaint with XXXX XXXX XXXX, but they completely refused to refund my money. They lied to me about the program they are running. I just need a refund through climb because I'm paying {$340.00} every month. This is big scams and right now they are trying to convince anyone that I did well in class. I didn't attend any class with them.I called XXXX SO many times to find out, but they didn't care
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2019-01-05
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. (IL)

The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

My daughter and I are legally XXXX and was in a bad car accident. In an emergency I deposited checks which accidentally were the wrong checks from a closed account. I did not take any money from the bank when they cleared. The bank just took the money right back and charged me {$50.00} in fees. However they closed the account and when I called customer service they told me that my account was closed for having a negative balance of {$50.00} and the bank just charged it off. I was also told that the custodial account which I use to pay for my XXXX daughters expenses and to receive deposits from social security I was told it is still open but frozen and if anyone deposits money into it I will not be able to access funds. I went into the local branch for help and was told differently that my accounts were closed due to fraud. I begged them for a reasonable accommodation to reopen my accounts because I'm expecting a large back payment from the social security administration for my XXXX year old daughters XXXX and that the social security administration will not write me out a check. I must have a custodial Account. Our life depends on these accounts.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

Affirm has opened XXXX loans virtually in my name on XX/XX/XXXX and XX/XX/XXXX - both which I learned about only after defaulting 30 days and effecting my credit. Affirm never notified me of a new loan or ran my credit for authorization.I also didn't realize this bc my payments are made automatically through my bank. I have filed a dispute with Affirm ( case # XXXX ) and with XXXX for this to be removed I opened my first loan with Affirm 5 years ago and they never help with reimbursements or help if there's any merchant dispute. The concerning part is that I have talked to Affirm to make sure my loans were in good standing right before I was notified about the 30 day late. This company does not insure their clients. I had a merchant send me a defective product- I disputed it for years and they never reimbursed me. I was never able to use the device- Affirm took {$800.00} from me for the product and never protected me. I will be paying off any debt I have with them and never use them again. They're quick to take the money but not protect and reimburse or do the right thing when its time to.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NC)

I HAD A COLLECTIONS ACCOUNT POP UP ON MY CREDIT REPORT FROM NATIONAL RECOVERY AGENCY IN XX/XX/. I INITIALLY CALLED THEM PRIOR TO THIS WHEN I RECEIVED A LETTER FROM THEM TO ASK WHAT IT WAS THEY STATED IT WAS A UTILITY BILL FROM XXXX XXXX IN NEW YORK. I TOLD THE REPRESENTATIVE I DID NOT LIVE IN NEW YORK AND WANTED TO DISPUTE THE DEBT, SHE STATED SHE WOULD NOTATE IT AND IF NOT WOULD REPORT TO THE CREDIT BUREAUS. I DIDNT HEAR ANYTHING BACK FROM THEM AND ALSO DISPUTED ON MY OWN WITH XXXX . I ALSO CALLED XXXX XXXX ASKING FOR A DEBT VALIDATION LETTER THAT I DIDNT RECEIVE THEY STATED SINCE THE ACCOUNT WAS IN COLLECTIONS I WOULD NEED TO DEAL WITH THE COLLECTION AGENCY. I CALLED NATIONAL RECOVERY AGENCY AGAIN AFTER THEY KEPT TEXTING ME WHICH I NEVER AGREED TO, I TOLD THEM NOT TO TEXT ME BECAUSE THIS WAS A SERIOUS MATTER NOT A TEXTING MATTER AND THEY KEPT TEXTING ME AND NEVER SENT ME A PAPER BILL AGAIN NOR DID THEY CALL ME. WHEN I CALLED AND SPOKE TO THE REPRESENTATIVE I TOLD THEM I HAD PREVIOUSLY DISPUTED THIS SHE SAID THERE WAS NO RECORD OF A DISPUTE WHICH I DIDNT UNDERSTAND AT ALL BECAUSE I EVEN DISPUTED TIS MYSELF WITH XXXX . SHE STATED SHE WOULD TEXT ME WITH THE PROCESS ON HOW TO DISPUTE. AGAIN TEXT ME??? AFTER I REPEATEDLY TOLD THEM NOT TO TEXT ME ITS INAPPROPRIATE. I THEN RECEIVED A TEXT WITH A SETTLEMENT OFFER NOT ONCE BUT TWICE AND THEY NEVER SEND ME A TEXT ON HOW TO DISPUTE THIS THEY SENT ME A SETTLEMENT OFFER. THEY ALSO NEVER SENT ME THE DEBT VALIDATION LETTER THAT I HAD REQUESTED FROM THEM.I SUBMITTED A COMPLAINT WITH THE XXXX  BECAUSE THIS ISNT A DBT IM RESPONSIBLE FOR. I NEVER HAD A CONTRACT WITH XXXX XXXX, I HAVENT LIVED AT THE NEW YORK ADDRESS IN TWO YEARS, I NEVER RECEIVED A DEBT VALIDATION LETTER, AND WHEN I LIVED IN NEW YORK THE LANDLORD SPLIT THE METER BETWEEN ME AND TWO OTHER TENANTS THAT WERE LIVING THERE. ALSO, I WAS ON TEMPORARY ASSISTANCE AND I HAVE PROOF DSS PAID XXXX XXXX DIRECTLY FOR YEARS BASED ON MY INCOME. WHEN I SUBMITTED THE XXXX  COMPLAINT THEY REPLIED BACK I DIDNT GIVE CONSENT TO REPLY ON A PUBLIC FORUM WHICH I DID WHICH IS WHY I SUBMITTED THE COMPLAINT. I NEVR HAD A CONTRACT WITH XXXX  XXXX  OR NATIONAL RECOVERY AGENCY. THEY ARE STALLING AND RUINING MY CREDIT!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account should not be furnished as negative on my consumer report as it is in VIOLATION under, 15 US Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I paid all of my car payments and the account should NOT be listed as a negative closed account, but instead should be a POSITIVE closed account as the bill has been fully paid off and has been for a very long time. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. As a consumer, I am demanding the fixing of the negative status of this account IMMEDIATELY : XXXX XXXX XXXX XXXX. I am demanding the DELETION of this UNAUTHORIZED INQUIRY IMMEDIATELY : XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (CO)

I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.