davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

I have an existing auto loan with Santander XXXX  that was open XXXX of 2018. It has then come to my attention that this lender was part of a class action suit shortly after. 
After referring to the legal website where the information of the class action suit was obtained, it appears that I indeed to qualify for relief. 
Prior to my knowledge of the lawsuit, I have questioned my loan with the lender on numerous occasions. 
I also ave reached out to the company in efforts to get more information, where they were know help at all. 
A year later, I am still getting run around between Santander & the Attorney generals office as to how I can obtain information.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards. 
On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX. 
In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment. 
The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years. 
I'm XXXX woman single income and can not think about retirement because of this debt. 
{$900.00} taking out of anyone 's check monthly is catastrophic. 
I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do. 
I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen. 
The case number filed in XXXX county Florida court is XXXX XXXX.
Consumer complaint received 2019-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Concord Servicing Corporation (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (AL)

On Wednesday, XX/XX/2021, I received an email from Chime that said my account balance was low. Because a family member has previously attempted to steal my identity, I took this email seriously. I went to the Chime login, typed in my email address and clicked that I'd forgotten my password, and soon I was able to reset the password and log into an account. The routing number is XXXX and the account number is XXXX. I saw that there had been two transactions associated with the account, each in the amount of approximately {$5.00}. 

I contacted Chime via email and explained the account had been fraudulently opened and should be closed immediately. I received a response that I would need to provide identification in order for them to do anything. I sent them a copy of my Certified Fraud Examiner credential and they did agree to lock the account, but insisted that I provide a copy of my identification such as a drivers license in order for them to take further action. I refused to do so because I do not know if the persons I would emailing with were a part of the scam. 

If Chime is a legitimate banking outlet they are not reliable. There is a flag on my information with XXXX  and so this account should have never been opened without my knowledge or consent. 

I am asking that you investigate this incident and this bank - if it is a bank - and get to the bottom of how this happened. 

Thank you, XXXX XXXX, XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (GA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian keeps dinging my credit score ever since I had a dispute. The first ding was for collection that was not mine -198 points. After their investigation and removal of collection they returned 51 points. Now they take 4 points off everyday my score was a XXXX now it is a XXXX. It has never been returned to the state it was in before this fake collection was put on. I also find it very odd they are allowed to give a credit score as they are biased. Biased as in everyday they send a join our membership and 1 hour later bam another ding. Everytime you don't purchase a hour later ding. Any and all credit reports need to be unbiased. They are using a credit score to make you purchase the product they are saleing.i find this unacceptable. Furthermore they reply we can't change your score because a computer does it all WHAT a computer runs everyone 's score?? No one can change. I think they lie and are manipulating scores to force people to buy products they sale.
Consumer complaint received 2021-07-29
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. (TX)

Experian sent me a letter, stating my dispute was claiming material misrepresentation which is a lie on their behalf. First of all Experian continues to certify a charge off account and continues to report said account every month as derogatory. I do not owe this account. This debt has been discharged in my Chapter XXXX bankruptcy case. Yet Experian continues to attempt to allow the creditor to collect on the account. Discharged debts in US Bankruptcy court are not collectible. Experian fails to comply with the bankruptcy laws. This account has been discharged and it should be marked as such paid and closed. Chapter XXXX bankruptcy. Which was filed on XX/XX/2021. All credit bureaus have reported this account discharged. BESIDES EXPERIAN. Failure to comply with the law will allow me full rights to sue Experian for violating the us bankruptcy laws that protect consumers.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

On XX/XX/XXXX I XXXX XXXX entered a consumer credit transaction with NMAC. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge the sum of all charges and it also supposed to include insurance and they didn't include it which is a violation of the Truth in Lending Act. When reaching out to Nissan Motor Acceptance Company they responded by saying they're aware what a finance charge is but they do not off insurance, and that is admitting to not following federal law and a violation of 15 USC 1611. I had a finance charge of {$6500.00} which what it costed me to extend my credit but it was converted into a loan of {$33000.00} why am I paying for my own credit? I have paid {$18000.00} to NMAC which is almost triple the finance charge and I think that is ridiculous that they're getting away with this. Nissan Motor Acceptance Company also didn't give a right to rescission which is another violation of the Truth In Lending Act 15 USC 1635. As of XX/XX/XXXX I have demanded that they cease all communication with me until they give me my specified remedy.
Consumer complaint received 2019-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

COLLECTION BUREAU OF Fort Walton Beach is attempting to collect a debt that was already paid. The company they are trying to collect the debt from has went out of business and the debt collectors are demanding proof of payment. How can I obtain proof of payment if the company does not exist anymore?
Consumer complaint received 2021-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My car started making noise in the breaks so I decided to use XXXX for repair. I've used them before to replace my front brake pads previously last year XX/XX/XXXX and decided to use their service again. 

I've self-diagnosed the car because the sound was coming from the rear breaks and scheduled for the replacement of rear brake pads on XXXX 

When Mr. XXXX came out to fix my breaks on XX/XX/XXXX, he told me that he was unable to locate the problem in the rear breaks and the brake pads do not need replacement as they are as good as new. So he said he'll clean the breaks and see if that fixes the problem. He also told me that there will be a service fee of {$50.00} because he came out to look at the issue. I responded " Okay '' for the {$50.00} although he did not fix or found the problem for the brake noise, just because he came out to inspect my vehicle. Later, I took my vehicle to a local mechanic and was able to find the issue there. 


A few days after service from XXXX, I saw my credit card statement to be {$110.00} instead of {$50.00}, so I called XXXX  and they told me that {$110.00} is the minimum they charge for any type of labor. This was clearly not what I was told from the mechanic from Wrench.com and I would have refused any type of service from them if it was going to cost {$110.00}, for not even fixing or locating the exact problem. Cleaning the brakes for {$110.00}? Anyone with common sense would refuse this offer. 

XXXX  refused to refund me so I called Chase credit card and explain everything and they gave me credit of {$65.00} and this was only temporary. Today, XX/XX/XXXX I received an online letter from Chase saying the charge was valid, not fraudulent and they have charged my credit card again. 

How is this charge valid in any way? I was told {$50.00}, not {$110.00} from the mechanic from XXXX. Chase has attached the invoice from XXXX that shows {$110.00} that I never saw or signed, until I found out that it was overcharged to {$110.00} on the credit card statement.
Consumer complaint received 2019-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (UT)

XXXX XXXX ( XXXX XXXX XXXX ) & Bonniville Collections XX/XX/2018-XX/XX/2018 I am being charged for something my XXXX & my self has paid for in which I did not get the full complete service. It was sent to collections and is gaining interest each month & has ruined my credit. I have put in Multiple Disputes to XXXX as well as XXXX and have been denied even though I show proof and claims from my insurance and bank statements. I have reached out to both XXXX XXXX and bonniville but they still will not give me a break.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

No matter how many disputes I send to portfolio recovery they send me the same information on this debt I allegedly owe to XXXX XXXX. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is portfolio recovery does not mail me any contract I allegedly had with XXXX XXXX just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from XXXX XXXX therefore I would like them to stop verifying this alleged debt to portfolio recovery and I demand portfolio recovery to stop reporting it to all credit reporting agencies.
Consumer complaint received 2019-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My loan was taken over by Carrington Mortgage approximately XX/XX/XXXX. I have had consistent issues regarding payments with this company especially since they do not accept electronic payments like 95 % of all other companies. In XX/XX/XXXX, I processed two payments via my bank 's bill payment system. Since Carrington does not accept electronic payments, they processed checks to be delivered XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, these checks had not cleared my bank account and were not posted to my mortgage account. At that point, I had to get these two mortgage payments process before the end of the month or I would have been 90 days past due. I ended up processing my payment over the phone which included an additional fee by the company. The very next day, both checks cleared my bank although I have a copy the recorded conversation on XX/XX/XXXX in which the agent confirmed that neither check had posted to my account. I was fortunate that my bank worked with me to reverse the fees and insure that I would not be penalized for this but CMS never made any attempt to rectify this situation. I then attempted to have my mortgage payment deducted from my account bi-weekly but CMS set the payment withdrawls on a bi-monthly schedule that rarely coincided with a bi-weekly payment schedule. It has been a real effort in terms of additional fees in order to may my mortgage each month ( I utilize XXXX XXXX ). 

The reason for this complaint is that on XX/XX/XXXX, I signed for two certified letters from CMS dated XX/XX/XXXX titled Notice of Intent to Foreclose. At this point, my XX/XX/XXXX was past due ( but payment was made by XXXX this same day ) but my XX/XX/XXXX payment was still within the grace period. 

I believe that CSM makes it harder to make your payments by not accepting electronic payments similar to payments received by other credit institutions such as credit card and auto finance companies unless you either allow them access to your bank account or pay extra fees to process payments over the phone which again allows the company to charge the consumer extra fees. On a 20-30 year mortgage, those fees are astronomical. 

I also believe that CSM violated federal law by send me two certified Notice to Foreclose letters with the attempt to deceive and intimidate me.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

I took out a mortgage in XX/XX/XXXX. I took out a loan from Lakeview ( subserviced by XXXX  ). I have downloaded the app for my phone and also attempted to pay online. I have not been able to submit a payment online on the website or the smart phone application. I have had to call in each month to make my payment. 

I am able to log on via the website. It shows my loan details but whenever I attempt to make a payment, I get an error and it doesn't allow me to set up payments. So this leaves me with my two least favorite payment options. Call in or mail in a payment. This would be the expected methods of payments if it was XXXX and not XXXX. I should have the ability to make payments in any method I choose. 

I understand that technology sometimes has issues. There is no reason in my mind as to why I have to mail a paper check or call in to make a payment. This company needs to fix their application and website to allow customers flexibility in making payments.
Consumer complaint received 2021-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Payday America Inc. (NY)

Someone from payday loan agency is threatening me and harassing me saying they will come to my house and employment. 1st of all I'm unemployed 2nd they assume that I live in XXXX Texas. 3rd I never took out a loan. 4th I don't have time for fake people to be harassing me.

They have called me twice in one month XXXX They won't leave me alone.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TX)

Attn : Dispute Dept.

To whom it may concern, Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

My goal is to correct the record on file. 

XXXX XXXX
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have XXXX  the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on my credit report.
Consumer complaint received 2021-07-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (FL)

THIS ACCOUNT SHOWED UP ON MY CREDIT REPORT APPROX, 5 MONTHS AGO. I HAVE CONTACTED THEM REPEATEADLY TO PLEASE SEND ME COPIES OF THE PAPERWORK. I NEVER KNEW THIS ACCOUNT EXISTED. IT'S BEEN SIX WEEKS AND NOTHING FROM THEM.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX  -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 FRAUDULENT INQUIRIES AND ACCOUNTS I DISPUTED OVER AND OVER THEY REFUSED TO MOVE