davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

I bought a in XXXX of 2022 after XXXX XXXX. I have been making payments for a year now. I did fall behind at one point due to being sick but always made sure to come up with the money so it wouldn't get repossessed. I have been noticing something funny going on with my account for the last XXXX months. Not only was I informed I had money accumulating on my account that was not being applied to either the interest or principaled balance but Santander has been trying to charge me for late fees that I have paid XXXX other times. My car payment is already astronomically high. My credit was fair but now it has taken a hit due to them not consistently reporting I have been making payments. I was told the reason I was placed in such a high interesting yielding loan is because of my credit score but I just discovered that is NOT true after seeing on the news that they were being sued for doing the same thing they are doing to me now to several other people. They claim to have filed several internal reports regarding the suspicious activity on my account. I have even been hit with an overdue payment of XXXX some despite paying my normal car payment. All they do is give me the run around. Put me on hold but nothing ever gets fixed. When I questioned why my overall car loan balance has only gone down a little over a XXXX bucks they claimed it was my fault and said something about not making payments. When I confronted them and said I have consistently made payments including payments that randomly pop up on my account that you guys claim I owed even though I had already paid my car payment for that month. Then whenever I stated that they claimed they would file an internal report but nothing ever gets fixed. Meanwhile my debt on my car loan keeps climbing and my credit score has dropped significantly because of them and what ever it is they are doing to my account. Whenever I said what they are doing is a red flag they put me on hold for hours on end hoping I will hang up. In the past I have hung up but recently much to their dismay I have stayed on the line only to get the run around again! Recently they have been trying to make me pay the same exact late fees for the past 4 months when I told them I was not paying the late fees in the amount of XXXX a XXXX month this past XXXX and asked how much my payment was for XXXX they said they filed ANOTHER " internal report '' to " fix it '' and that my car payment for the month of XXXX was {$160.00} since I had almost XXXX just sitting there not doing anything but accumulating. My account STILL reflects that I " owe '' so called late fees in the amount of XXXX despite paying them! I would be here all day supplying all the photos so I will just supply the latest odd activity occurring with my loan!
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Received a payment/transfer through venmo of {$500.00} on XX/XX/2024 from a friend and immediately after venmo froze my account and restricted me from transferring my money into my personal bank account. Currently venmo has frozen my account and I am not able to access my {$500.00} balance. They have not provided me a reason of why they froze my account and have denied my request to talk to their security department.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

The attorneys and their contracted servicer did not ensure that I was served properly. I reached out to XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX via email to discuss this matter. XXXX XXXX was the only one to respond stating, Please be informed, the below-stated attorneys, including myself, do not have any control over the actions of an independent contractor process server. However, I believe they should be held accountable because it is their case and theyre the ones that hired said servicer. The proof of services alleges I was served XXXX home address on XX/XX/19. However, I have not been at my residence since XX/XX/19 due to a medical condition. I am staying with family while I go through treatment. Furthermore, the physical description of me is completely inaccurate I am XXXX XXXX XXXX, XXXX, XXXX XXXX. The proof of service process server filed a proof of service on XX/XX/19 stating that service was effected via personal service to # # # # # # # # # #, Who accepted service, with identity confirmed by subject stating their name, an XXXX male approx. XXXX years of age, XXXX tall, weighing XXXX lbs with XXXX hair.
Consumer complaint received 2024-06-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I have several XXXX debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to cal about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Consumer complaint received 2024-06-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I have seven ( 7 ) Visa debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to cal about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VEROS CREDIT, LLC. (TX)

I am the co-signer on a vehicle leased from Veros credit. They have been calling me for several months stating the car note is behind by 2 payments. I have spoke to some one twice this week ( XX/XX/23 and XX/XX/23 ) and asked them to repo the vehicle. First guy I spoke to stated I am the primary on the account but I don't have say so if the vehicle can be repoed. Which does not make any sense at all. The second guy I spoke to stated, " they just want their money, they are not going to repo the vehicle and they will continue to call me. '' They still continued to call that same day. They call more than 10 times a day. I woke up today ( XX/XX/23 ) to 9 missed calls all within 1 1/2 hours.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I'm disputing these fraudulent accounts again, and it's infuriating that your bureau hasn't removed them despite the creditors agreeing to do so. Comply with the law, get these accounts off my credit report ASAP, or I'll take legal action.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2024-02-02
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)

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as Equifax and XXXX which are currently being sued for reporting fraud and inaccurate information class action lawsuit. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my FTC affidavit for your review. 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them. The law states all items must be reported accurately and truthful 15. u.s. code 1692j 1681s 2b cra must block the information within four days and notify the furnished of the report of the fraudulent data. Below are the items that need to be blocked from current and future reporting and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL INQUIRES LISTED IN THE FTC FRAUD AFFIDAVIT BELOW ATTATCHED FOR YOUR REVIEW.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with Equifax, XXXX, and XXXX, but the credit reporting agencies refuse to correct/update my report.
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MS)

I purchased online furniture and was allowed to apply for the record and even put things in my shopping cart. I later went and logged in the shopping cart was empty. And I was told a flat out misleading lie. I didnt have an account how can I be denied my own credit? I wasnt denied they got paid for the items I ordered them in attempt to defraud they claim. I didnt have account then it went I didnt qualify. Whatever lie they chose to try and continue to defraud is there issue. Im just seeking the things I chose to be delivered to address given. Without anymore attempts to defraud or steal. I will not play how much do I know legal games with the company. If ALL/EVERY item I chose I wish to be delivered to me XXXX hours from day they receive this complaint / notice thats is being given on a government platform. To start sending me my past, current and future debts. That way I can buy ky own furniture etc I do not want to be contacted unless their trying to set up a deliver date and where to send my debts. In the order stated if we can come to a swift fair. Ethical decision and agreement then I look forward to speaking to someone. This is a NOTICE as well as a complaint. I got the furniture for. Business I have and due to all this, it has hindered my business from moving forward and lost of potential income. Which goes into federal tort cause of action claim/complaint.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Missing information, account status shows delinquent accounts, payment history and payments made to this company are not correct. The account shows a history and late payments which belong to another mortgage company. 
The account history and payments made are deceptive and unlawful I never had an account until the date of XX/XX/year> its impossible to show any payment history prior to that date. 
The loan company is unfair and unethical to use payments made to another lender when account is disputed for errors.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (NC)

After dropping my car off with the dealer and finding out I no longer had a warranty to fix it I called the finance company to see if they would extend my loan to help get my car fixed that was not successful and I told them to come get it. they did and have resold the car. since then my credit is showing as an open account but the notes say it was charged off. Prior to the note I filed a dispute with transunion asking them to delete this because the information is inaccurate. They instead updated my report with said note.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Jefferson Capital System # XXXX {$7600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Can you look into this matter?
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (AL)

I previously reported a problem with XXXX XXXX  reporting late payments on credit card charge that I did not make. After reporting to CFPB, XXXX corrected the error and, in a letter to me dated XX/XX/2024, advised me the credit reporting agencies had been advised of the error and asked them to update my report accordingly. It appears the XXXX and XXXX have made the updates and my credit scores with each of them is now over XXXX. As of today, XX/XX/2024, Experian has not updated my report and it still reflects late payments on that XXXX account resulting in a credit score of XXXX. When I contacted Experian, I was told it would take 30 to 60 days to correct the error in their report. That delay is inexcusable and could be costly when I have insurance renewals coming soon that base premiums in part on consumer credit reports.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC (IL)

Consumer complaint narrative As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt
Consumer complaint received 2023-09-19
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. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

My fiance and I moved out of our apartment XX/XX/XXXX into our new home. We didn't hear anything from the landlord for a few weeks. On XX/XX/XXXX we received a move out statement that we owed {$980.00} for rent for the month of XX/XX/XXXX which we had already paid on XX/XX/XXXX. This amount was clearly stated it was for rent and not the security deposit which we had already gotten back. On that same day ( XX/XX/XXXX ) we sent the apartment company an email disputing the charges along with proof that we had already paid the rent. They refused to respond by email, only wanted to call us. Due to previous disputes with this same company, we wanted to get statements in writing which they refused to do. They instead sent us another statement on XX/XX/XXXX showing that we owed {$1200.00} which now included rent for the first week of XX/XX/XXXX. Our lease officially had ended XX/XX/XXXX. We were sent to collections and received our first collections notice on XX/XX/XXXX, a whole year later. We asked for proof of debt from the collections agency and tried to dispute the charges with them and all that they sent back to us was a copy of our lease. We have all of the documentation that we do not owe this debt and have provided the agency with it and they have chosen to ignore the information provided
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Since about XXXX I have been tasked with the payment of private and federal student loans, I graduated college in XXXX. However, with my private student loans with Navient ( at the time XXXX XXXX ) I have been given little to no help with information or direction towards lowering my student loans, every time I have spoken to someone it's always the same run around with it ending in myself being basically forced to enter a repayment program to one I could not afford otherwise as they ( Navient ) stated they would ruin my credit. I have provided them all my information in regard to employment and salary to help them understand the situation I currently am in and still nothing has been done to help and instead the numerous programs ive entered with automatic payments coming out each month nothing has lowered my principle balance and now I owe more than I started. I owe approximately XXXX in private student loans with Navient and I feel stuck in a rut with them and no way out.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I am reaching out again for a copy of the school misconduct form for the XXXX XXXX. While my loans were refinanced just a couple of months ago, I feel like I should be reimbursed for all monies paid since the school has been closed, repeated sued for fraud, and all federal loans have been forgiven.