davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DC)

I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!
Consumer complaint received 2023-10-16
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. (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 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 the following information items. 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 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (MD)

On XX/XX/XXXX at XXXX I requested XXXX XXXX terminate my agreement. After terminating the agreement they, continued to send me bills to my home under the name " XXXX XXXX XXXX '' at my address. 

I ignored the bills since they are not addressed to me. 

However, they escalated this by sending it to a collection agency. The company is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA is sending me a bill for {$120.00}. 
Account Number : XXXX NCI ID : XXXX Original Creditor : XXXX XXXX XXXX Number XXXX Account Balance {$120.00} Date XX/XX/XXXX The original XXXX bill was {$100.00}. 
Any Assistance would be greatly appreciated.
Consumer complaint received 2022-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP (CA)

from the begin of XX/XX/XXXX we contacted Kimballtirey- a collection agency posing a lawyers- after noticing that they had posted inaccurate information that continues to affect our credit score. 

we were very firm and advised them to fix it. we forwarded some paperwork to their company (   kimballtirey ) to substantiate that their collection was in error. 

This problem stems from a previous apartment rental by XXXX XXXX XXXX . My family also got in touch with XXXX management and XXXX. The management company did their own investigation and advised Kimballtirey to remove the erroneous information. XXXX management in conjunction with XXXX management contacted me right away to let me know about their instructions to Kimballtirey. 

This Kimballtirey collection agency is not forthright with their conversations over the phone. they also refused to send me a letter stating that they had corrected the mistaken entry that keeps affecting my credit score until now as it is being reported as a late payment on a monthly basis. 

Please see attached paperwork. I currently do not live in XXXX apartments. Kimballtirey removed the original debt collection from the credit report but are fanning ignorance to the erroneous reporting of monthly payments due when i do not owe them any money. And they are also saying that they are not the ones reporting it as late every month bit on the other hand the credit companies- XXXX, XXXX , and XXXX -says and shows Kimballtirey as the company reporting this error. 

Consumerfinace.gov has my full permission- to contact/ call XXXX management to inquire about my standing as they clearly state that I do not owe any money to XXXX apartments. Please see below XXXX XXXX operations support coordinator XXXX apartment communities XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Direct/fax My name is XXXX XXXX I used to rent XXXX apartment from XX/XX/XXXX to XX/XX/XXXX XXXX - cell XXXX XXXX
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (UT)

At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XXXXXXXX XXXX XXXX a few months after my XXXX birthday, I unknowingly had a credit card opened in my name with XXXX XXXX XXXX. I was unaware of the fact that this happened due to my lack of knowledge on how to check my credit score. I would always try to apply for credit cards, but they wouldn't approve me, and I didn't understand why. It wasn't until about XXXX years later that I spoke with someone from the bank. They informed me that I had a line of credit on my name for the amount of XXXX. I have tried to report the fraud to the company multiple times as well as report the fraud to all credit bureaus. Yet the debt has still not been removed from my credit report.
Consumer complaint received 2022-05-30
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. (LA)

I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX account is paid and closed yet reporting negative and one is my current loan that is upto date XXXXXXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and equifax wont release my report
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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
Consumer complaint received 2022-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (MS)

Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!
Consumer complaint received 2017-07-27
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. (IA)

My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX  received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either.
The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form.
XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision.
Thank you for your time.
Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$00.00} with a {$3500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (LA)

I recieved an email from a company called XXXX XXXX XXXX claiming to help me forgive my student loans on XX/XX/2024. This is their website XXXX XXXX XXXX  I am unsure if this is a legitimate company because they asked me for my XXXX username and password, ssn number and address and told me to make 5 monthly payments of {$270.00} and my student loans would be gone. I am unsure if this is a scammer hence why I am making this report. I called back and told them to delete all of my account information they had on file and changed my XXXX password. I also filed a complaint report with XXXX specifically to monitor my student account for any fraudulent activities. Reporting a company with no email letterhead or any stamp to signify what company they are working for, thank you.
Consumer complaint received 2023-02-21
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-08
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: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

Original creditor : XXXX XXXX owner : LVNV Funding LLC Balance : {$7300.00} This debt collector has threatened multiple times of arrest and lawsuit on a debt that has already been resolved. They have tried to contact me numerous times on weekends and before XXXX XXXX. They have harassed and used misleading statements to coerce me into making a payment. This debt is in a state I do not live in and does not belong to me.
Consumer complaint received 2023-10-17
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (CO)

There are XXXX  inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian
Consumer complaint received 2022-05-30
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. (NY)

I checked my credit score on Experian and it shows 2 closed accounts that I never knew about. those are not mine. and they are affecting my credit score. I would love to have updates *FRAUD INFORMATION* XXXX XXXX Date Open : XXXX Account Type : Credit Account Status : Closed Status Updatated : XX/XX/XXXX XXXX XXXX Account Type : Charge Card Date Open : XX/XX/XXXX Account Status : Closed Status Updatated : XX/XX/XXXX 2019
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 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 or inquiry on a credit card account under an open end consumer credit plan as late for purpose