davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (PA)

The credit bureaus did not do a proper " investigation '' according to the FCRA. 

XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 

Experian did not do this. 

Also Experian has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 

Experian stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2018. 

Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Experian on the account XXXX XXXX XXXX XXXX the dates last active are reporting differently on my most updated report that was sent to me by Experian after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 

This is grounds for removal as Experian informed me a proper investigation was completed and the information was accurate when in fact the information is not. 

I have submitted the reports from Experian that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports.
Consumer complaint received 2020-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.
Consumer complaint received 2019-12-20
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. (CA)

On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as Experian, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!
Consumer complaint received 2019-12-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Nissan Motor acceptance has repeatedly harassed me with regard to my auto lease. On XX/XX/2019, after I had previously received two unanswered calls they called back on my cell number XXXX and asked them to stop calling me. Nissan Motor acceptance then called right back on XX/XX/19 at approximately XXXX. I explained to XXXX that I requested no calls on XX/XX/19. She stated that they needed to verify it was me, I explained that I didn't believe that is true and that they are in violation. I explained that my cell number is a verifiable number and anyone stating not to call the calls should cease. I explained my reasoning for calls due to the number of calls and Nissan not following the law. XXXX says they would not contact me by phone.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MI)

( XX/XX/year> ) - I attempted to conduct business with XXXX XXXX but they use LexisNexis to verify identity and were unable to do so because they informed me there is a security freeze in place that I need lifted. 

( XX/XX/year> ) - I attempted to remove the security freeze using the LexisNexis website which allows for this online ( XXXX XXXX XXXX XXXX XXXX XXXX ) but the request failed because it says I need to provide a security PIN. I was never issued any security PIN and had none to provide, so I followed the steps listed to request a security PIN, including uploading a copy of my photo ID and my social security card, and selected the option to request a PIN be mailed to my address. The website accepted the submission and told me a PIN would be arriving in the mail soon. 

( XX/XX/year> ) - After not receiving anything in the mail for two weeks, I contacted LexisNexis via their support phone number at XXXX to follow-up on the status of where my security PIN is. I was told I needed to open a case using their website because without an open case number, they can not assist me via telephone. 

( XX/XX/year> ) - I used the LexisNexis website support link XXXX XXXX XXXX XXXX XXXX XXXX to open case XXXX explaining that I requested my PIN and have not received it nor any other response from their agency in 14 days and wanted an update on my case. I immediately received an automated message that my request was received and I would hear back within 24-48 hours. 

( XX/XX/year> ) - I received a follow-up email from LexisNexis that XXXX not address my issue and seemed to be some sort of scripted template email which provided common answers to common questions and directed me back to the website which I originally used to request the PIN. 

( XX/XX/year> ) - I called the support phone number above this time providing the case number. I was kept on hold 43 minutes until I was able to speak with an agent who has difficulty understanding me because English was not their native language. The representative spent over five minutes asking me several personal questions to verify my identity saying that was required before they could address any aspect of my existing case. After verifying my identity, they told me they needed to place me on hold then ended the call. 

( XX/XX/year> ) - I mustered up the motivation to attempt to call back as I still have not received anything from LexisNexis. It was basically a repeat of the call from XX/XX/year> but with a shorter hold time. They require a lengthy process to verify identity before allowing any discussion of the case and upon identity verification, they say they have to put you on hold instead of addressing any reason why you called but they just hang up. At this point, I can not find any way to request resolution to my issue and am still unable to do business with XXXXXXXX XXXX
Consumer complaint received 2019-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (CA)

I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary.
Consumer complaint received 2023-01-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (ID)

I took out a Sallie Mae loan in 2015 to pay for lineman college. When I took it out, I was told that if I continued to make on-time payments, my interest rate would continuously get lower. My interest rate was originally around 10 %, and it is now 13.75 %. I have never missed a payment, except when I was in deferment to get my XXXX degree, and I still made payments during the summers. My interest rate has gone up even more, to almost 12 %. This is predatory lending. I am making almost {$500.00} payments a month, and my balance hardly looks like I've paid anything. The original loan was {$27000.00} and it is currently {$26000.00} after XXXX years of payments. Every time I try to call and talk to someone about this, I am told they will call me back, and they never do. I have called XXXX times in the last XXXX weeks with no response. I have called on and off over the years to try and find a solution because I am paying the loan, and they can never offer any solutions. I finally was able to talk to them today and the only thing they could do was enroll me in automatic payments and which would lower my interest rate by 0.25 %. 

I sent in a request to have my co-signer, my mom, removed from the account after being told I needed to send in a formal request XXXX years ago. I have never heard back and she is still on the account. 

This is predatory lending. I am doing everything I can to make progress on this loan to no avail. My balance has not gone down, even {$500.00} a month payments. Please help me come to a solution with them.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I need my report to reflect this address. I haven't looked at this report since 2021. My address was XXXX XXXX XXXX, XXXX tx XXXX
Consumer complaint received 2019-12-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I purchased a XXXX XXXX device from XXXX XX/XX/year>. XXXX XXXX pressured me not use my insurance of XXXX XXXX XXXX XXXX XXXX Select of Texas, because it would be denied. I purchased the item with my Chase Debit card. I was given a tracking number, but the item stayed in pre shipment status for over a week. After not receiving any explanation for the delay. I requested a refund. XXXX XXXX ignored me for additional week. I filed a complaint with the Texas Attorney General, To but no enforcement. Today ( XXXX ) email stated XXXX XXXX could not issue a refund because he does not store debit or credit card information. The company uses XXXX XXXX XXXX. It was my responsibility to contact Chase and seek a refund. I went to the bank today with the letter from the attorney general and email from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX + XXXX XXXX ( overdraft ) I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I talked to a banker who did not want to help, because the account was close. I called about the status at XXXX and was assured the XXXX team would return my phone. I never received the status update. 

Chase is holding on 75 % percent of paycheck. I had to return items to pay by bills. They will not issue a refund.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I received a statement by XXXX mail from I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN XXXX, I.C. System XXXX XXXX : XXXX ; account no : XXXX. XXXX, " We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' The debt amount is {$5.00} owed as of XX/XX/XXXX, according to this statement. They list XXXX XXXX as the " original creditor, '' at XXXX XXXX XXXX  XXXX MD XXXX. Again, I have contacted XXXX XXXX and they reassured me that this debt is not owed, and suggested it might be a sca I have contacted XXXX XXXX via my account to verify and confirm that I do NOT have any outstanding debt with XXXX XXXX. I have also combed through my XXXX XXXX statements back to XXXX of XXXX looking for any {$5.00} charge within the billing statements and found no reference to this amount. 

With this in mind, I am asking for your help. I am very hesitant to respond to this company. I think this XXXX be a fraudulent attempt at my identity or a scam.
Consumer complaint received 2023-05-13
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: Self Financial Inc. (FL)

In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

I took out a small loan to pay some debt with CHASE AMAZON REWARDS. I paid {$1300.00} off. The entire balance. A week later they are still REVIEWING MY PAYMENT and I have no access to my credit. They said it WASN'T LIKE ME TO PAY THAT MUCH. IM BEING PUNISHED FOR PAYING OFF MY CARD. I WILL BE CLOSING THIS CARD.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-06-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (AR)

XXXX XXXX was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX   XXXX  Attached to this complaint or four  different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX  XXXX. I repeat these are only missed calls and they are all from XXXX XXXX  in the last few days