davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (PA)

On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CO)

Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks,
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am not understanding why an account that is aged almost 10 years is still reporting on my Transunion and XXXX  credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. Transunion and XXXX  was not honest about their investgation on the account memntioned above : XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

Personal Information : XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/2022
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

FCO FAIR COLLECTIONS AND OUT ( Original Creditor : XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX is demanding payment for a debt that does not belong to me and is further inaccurately reporting this item on my credit report with efforts to unlawfully collect a debt. I have made efforts to resolve the matter and requested supportive documents to validate this debt. To date the company has failed to provide this information and continues to demand payment with unlawful tactics for payment by reporting this false information to the credit bureaus. I have never had any business transactions with the original creditor noted and they claim to have no knowledge of this debt.
Consumer complaint received 2023-04-19
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I applied for a Best Buy card that's financed through CitiBank. I was told to call XXXX. I called that number and spoke to a woman that placed me on hold to process the application. After about 10 minutes I received a call from XXXX and it was a person asking did I just apply for a Best Buy card. Told her yes and that I had a rep on the other line from the Best Buy card services. She explained that was her that placed me son hold and that her calling me was apart of the verification process. So she stated that she had to do some more verifying. She stated that my cellphone didn't meet the requirements to send a one time text. ( Crazy thing is my cellphone that she called me on was the number that's on all 3 of my credit bureaus ). So she stated do you have any other Citibank accounts that's opened. I said " No '', I applied for a Home Depot card but they need more information to verify me that a woman called me and stated that I'll get a letter in the mail that I need to fax that letter and a copy of a utility bill in. She stated okay at this time we can't approve you and you'll get a letter in the mail in 7-10 business days. 

Called today and got the automated system that stated that my application was declined due to can't verify my identity. Please see the attachment. My ID and SS, current bill and credit report from XXXX. Please keep in mind she already called me on the phone number that's listed on my credit reports. 

Please notice that my XXXX credit report don't have any CitiBank accounts. CitiBank is bias and they won't give me a card. Keep in mind this same scenario occurred for the Home Depot Card I spoke to someone last week and I never received the letter in the mail for verification purposes, but they ran my credit. How convenient, they don't extend credit but make money off the amount of credit applications that they get in.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a major error that is linked to multiple negative items being furnished on my credit report. 
XXXX XXXX XXXX is not an establishment that i have ever worked or have any affiliation with. 
this is a clear ERROR or someone elses information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (FL)

There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (FL)

There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

Date XX/XX/XXXX - sent request to federal student lender Date attended XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Loan is with Mohela XXXX - Acct # XXXX Loan Amount is {$15000.00}
Consumer complaint received 2024-03-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in life.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX -XXXX XXXX  NEGATIVE ACCOUNTS XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, received a letter from Bank of America that a new Credit Card Account was approved for {$25000.00} and cards will be mailed out. I never and will never apply form a credit card through Bank of America or any other Large Financial Institution. I never gave any authorization for the pulling of my credit report or an application for a credit card. It took over an hour of my time to get to Customer Service and they will not close my account until I return a signed letter Disputing this card. 

I have a freeze on my credit bureau as of XX/XX/2022.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. 

I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in life.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : XXXX consumer report must be XXXX XXXX accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1. 

See Attachment of Proof of Inaccurate Information YOU HAVE XXXX XXXX FOR DATE OF RECEIPT TO DELETE INFORMATION.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$270.00}
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (GA)

XXXX XXXX XXXX tried to charge my insurance provider for a procedure that was never performed of which my insurance company refused to pay. 

Because my insurance provider refused to pay, XXXX XXXX XXXX tried billing me for the procedure, after I wouldn't pay, they sent it to a collection company. 

On more than one occasion I've tried to get XXXX XXXX XXXX to prove that this procedure was performed, and they were unable to do this. 

I have contacted AWA Collections to settle this matter but was unsuccessful.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One refused my remittance coupon that was sent in with proper endorsement ( 31 CFR 328.5 & 328.6 ) and closed my acct. They also sent a letter to inform me that I would receive a bill from them every month until it was paid. I called them and discussed in great length that I now know about something that has been hidden from people regarding everyone 's unlimited credit in this world and how banks can not loan assets ( 12 USC 1431 ) and the U.S. Treasury is obligated to make payments on the public debt ( 31 USC 3123 ). Our debts have already been paid by our XXXX XXXX XXXX trusts and they have received payment for that but then want us to also send in money from our cash accounts which is " double dipping ''. They call it a " gift '' but it is what keeps people down and out and living from paycheck to paycheck and makes banks rich. The big corporate banks are fully aware of this although most employees of these banks are not. There is no gold backed dollar anymore. In XXXX, HJR 192 eliminated the ability to PAY our debts, allowing only for their discharge. Since this act of accepting payments twice for the same bill was never disclosed, I feel the contract is null and void and I don't intent to pay it ( 15 USC 1692c ( c ) ).
Consumer complaint received 2022-05-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC. (MS)

Navient forced me into forbearance after forbearance that I could not pay. Ultimately they forced me into paying my loan in full, to avoid legal action. Paying this loan of XXXX dollars in full put my family and I in a very tough position. To this day the late payments for the loan forbearance that I could not pay is on my credit. If I would have been given options or coaches on how to take care of this load I wouldn't have ever gotten into this situation.