davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (FL)

Lender is Santander Consumer, USA Purchased Vehicle Supposedly For XXXX in XX/XX/XXXX Supposedly purchased a XXXX XXXX XXXX Found out car was a XXXX when I was insuring it after the fact. 
Traded in my XXXX XXXX. 
My trade-in value towards new car was roughly XXXX. 
Loan amount was supposed to be roughly XXXX. 
Loan amount XXXX plus Tags & Registration All documents were signed digitally. 
I declined ALL offers & add Ons.

I soon discovered that I had a Lemon.

I immediately tried to return the vehicle to dealership. 
Dealership being - XXXX XXXX XXXX  I went to return the car, which is how I discovered the dealership was officially CLOSED/BANKRUCPT I started calling every number I could find- All to no avail.

I finally received physical mail from Santander Consumer USA Upon opening the mail, I became EXTREMELY DISTURBED & UPSET - CAUSING MY XXXX TO ATTACK DAILY. 
I was DISTURBED because of the amount. 
The amount was over XXXX. 
It was XXXX XXXX - over what I expected. 
By the time I pay this loan, I will pay over XXXX for a car that only has a value of XXXX according to Car Fax. 
Why did Santander pay this amount for a car that does not have the value? 
There is no description on the physical mail, I continue to receive.

There is no VIN # on the physical mail, no evidence of a car loan. Just an amount.

I continue to call Santander almost daily or every other day.

I am told in no uncertain terms each time- it's not their problem.

Santander Consumer, USA seems annoyed with me.

I am overwhelmed and upset with this huge debt that I can not afford.

My research shows that on XX/XX/XXXX Santander was in problems similar to what I am presently experiencing. 
I have attached such documents. 
Thank you kindly for any assistance you can offer.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!
Consumer complaint received 2023-08-04
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)

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Company randomly closed my account and will not allow me to withdraw {$57.00} dollars out of my account. This is a personal account that use to pay some bills and occasional payments. They will not give me any information about why they randomly closed my account and claim that they don't have to tell me anything.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (MD)

Notice it is a fact, According to my consumer credit profile on XX/XX/, ZION DEBT HOLDINGS LLC violated USC 1692c ( a ) and published a opened account without any prior notice or my written consent to my XXXX consumer credit profile. Notice it is a fact, This action was a violation of USC 1692f ZION DEBT HOLDINGS LLC used of an unfair practice by a debt collector and clear violation of my due process. Notice it is a fact, This one action caused I, : XXXX XXXX XXXX a federal protected consumer severe financial injury and defamation to my character. Notice it is a fact, USC 1692d violation, Due to the continued harassment thru a third party medium " XXXX '', my credit score has dropped drastically. Notice it is a fact, USC 1692d ( 1 ) Violation, harmful actions toward my well being via credit reporting affecting my creditability to receive consumer credit, I have not been able to extend my credit with other financial institutions. Notice it is a fact, USC 1692d ( 2 ) violation, obscene language of accusing me of owing an alleged debt on my consumer credit report. Notice it is a fact, USC 1692e violation, Due to ZION DEBT HOLDINGS LLC false, deceptive and misleading statements and practices. Notice it is a fact, I now suffer from anxiety, duress, stress and unnecessary financial hardship. Notice it is a fact, To date ZION DEBT HOLDINGS LLC has failed to preform and validate the allege debt. I have requested validation of debt with evidence and have yet to received any contracts with wet signatures, full disclosure or a validation of debt between I, : XXXX XXXX XXXX and ZION DEBT HOLDINGS LLC . This also includes any accounting ledgers, which states I am obligated to pay ZION DEBT HOLDINGS LLC. Notice it is a fact, I have also sent a cease and desist to ZION DEBT HOLDINGS LLC due to the continued harassment. Notice, i am aware, according my consumer report from XXXX as of XXXX XXXX ZION DEBT HOLDINGS LLC has violated my request and is still reporting and communicating thru a third party, " XXXX '' which is a USC violation of 1692c ( b ) .Notice it is a fact, According to FDCPA each violation by debt collector could amount to XXXX XXXX dollars per violation. Notice it is a fact, I, : XXXX XXXX XXXX, Principal Executive am fully prepared with a bill of particulars to settle and file a lawsuit in this matter for damages. 
ALL RIGHTS RESEVERED
Consumer complaint received 2024-04-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (IL)

So apparently for the last XXXX or 6 months I have been dealing with an online scanner using my data to take out a loan in affirm company to buy stuff online. When I saw that I owe money to XXXX, I was like wait. I never took out a loan for XXXX to only find out that theres all these other loans and that I am past due I am delinquent the money was being taken out of my chase credit cards, so Im not quite sure how someone had my credit card my Social Security birthday address email whatever it is and pretending to be me taking out this loan. I contacted a firm about XXXX times along with XXXX XXXX which I submitted a complaints about them as well and it just seems like the XXXX companies can not work together to figure out this dire situation. I take pride in my credit and it has now given me XXXX dings on my credit for late payments. I originally according to XXXX paid for these loans through my credit card that I contacted them as this is fraud, they gave me they reverse the charges. Give me a new card. It was done again same thing again they gave me they reverse the charges giving you card now its being done again, and Its like Im living a nightmare. I have no idea what to do where to turn to because every time I talk to somebody its several things that they can not give me a complete answer. Theres another department I talk to you that departments not there. Ill have to call tomorrow morning then when I do call that department, not there theyre busy and its just this ongoing battle uphill against myself and as a single parent, I am struggling already and it is not fear that I have to struggle even more to figure out. Can I even get a loan to get a part or a condo? I dont even know because no one will help me here and I feel like Im in a bad dream.
Consumer complaint received 2018-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

On several attempts I have tried to explain the Medical Data Systems to stop contacting me ... .... This company has repeatedly placed a negative item on my credit report.. i am informed that this is a collection agency who are violating my rights as a personal consumer because I have never had any type of relationship or contract with them ... Also I feel as I'm the victim being they are buying my identity from companies or venders that I have no knowledge of ... ... This goes against FCRA and definitely goes against HIPPA consumer rights.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (MD)

XXXX said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living. 

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (NH)

CREDIT KARMA ALLOWED A FRAUDULENT USER ACCESS TO MY INFORMATION MORE THAN 34 TIMES SINCE XX/XX/. EMAIL ADDRESS PROVIDED WAS NOT VERIFIED AND WAS NOT MINE. I WAS ABLE TO GAIN ACCESS TO MY INFORMATION AND BLOCK THE USER. I EMAILED CREDIT KARMA SUPPORT WITH SCREEN SHOTS OF THE USER. THIS WAS DISCOVERED AFTER I RECEIVED A LETTER FROM A CREDIT UNION IN WASHINGTON STATE THAT THEY DID NOT OPEN MY ACCOUNT BECAUSE THEY SUSPECTED FRAUD, THERE ARE MANY INQUIRIES ON MY REPORT THAT MADE THAT I DID NOT APPLY FOR.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE THESE INQ FROM MY CREDIT REPORT ITS NOT AUTHORISED I am taking this matter seriously and expect immediate and forthright action on your part.Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation should not be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

Hi on Friday XX/XX/year> I reached out to IQ DATA/ASSURANT to look into a debt that I was never made aware of to resolve from an old apartment complex I lived in. I explained the situation and immediately the rep was rude I explained that i could pay the debt but requested that it be removed from my credit report as its keeping me from getting into housing. I tried to set up payment for my next pay date which is the next week and he said that wasn't an option I had to pay in full today XXXX dollars or they wont remove it at all. I got angry and upset and I hung up. I decided to call back to see if I could get a more reasonable rep on the phone but it was worse he stated the same thing then told me to borrow the money to pay the debt if I wanted it removed. I pleaded with him and explained again that I was trying to resolve this then he proceeded to tell me that the prior rep is already taking action against me in some form but wasn't specific but it felt very threatening. I only just found out about this debt XXXX weeks ago.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (MN)

PROFESSIONAL DEBT MEDIATION closed my other request asking for my PERSONAL INFORMATION which is not allowable on these forms. I am on XXXX and you are not supposed to collect from me. Stop collecting from me for the discriminatory XXXX XXXX XXXX, for who I shouldn't have even OWED any money, nor was I given a notification of debt, even electronically. You also asked me on my last complaint for personal information, which against CFPB 's form rules and for my protection as a consumer, which is scummy, but you refuse to stop collecting from me, which goes against XXXX as my money is from the government and can not be collected from. Cease and desist, or I will report you to XXXX too.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery XXXX $ XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to XXXX to have them removed immediately as I do not recognize
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

between XX/XX/XXXX and XX/XX/XXXX on XXXX separate charges a total of {$17000.00} was STOLEN right off my card- by making balance transfers. 

I have demanded an explanation of how this could happen as this card was ONLY in my name. I have received no response. 

I have repeatedly demanded XXXX the IP addresses of all of the withdrawals XXXX. Where my money was transferred to- account details XXXX. Exact Dates and amounts of when the money was moved I am getting NO answers. Citigroup has NO sense of urgency. 
Please help asap. 
Thank you so much XXXX XXXX
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (MD)

I would like your help to get me a check for approximately {$440.00} from Paymap, Inc that I am entitled to as the result of an agreement with CFPB settlement. 
The 'Equity Accelerator Program/Paymap, Inc ' the XXXX uses to service my mortgage payment recently settled a claim with the CFPB, and I was notified that I was to receive a check. The letter I received on XX/XX/XXXX was dated XX/XX/XXXX, and states that the final day to have a check reissued is XX/XX/XXXX. Since I had received no prior correspondence, and not received a check, the XXXX letter was telling me that I was entitled to a check, but that I was too late to request one. 
I contacted the HELP phone number on the ( attached ) letter, and was told by operator XXXX that they could not help. I spoke with manager XXXX and was told this would be handled by 'corporate ', and was given a fax number and an address. I faxed and mailed a letter, and have still had not response. ( certified mail receipt and fax confirmation attached ). 
I contacted the same HELP number provided on XX/XX/XXXX and operator XXXX told me that my letter had been received according to my account notes, and that 'corporate ' is handling the matter, and that he could not help me or inform me. 
I received a reply on XX/XX/XXXX that said the case was closed. 
The HELP number is no longer in service. 
It seems very unfair to me and inappropriate that I receive a letter long after the closure date telling me of my entitlement, and odd that I had no other check or notification. 
Please help.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (NC)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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