davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Credential Acceptance Corporation (CA)

The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done
Consumer complaint received 2019-07-03
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)

THE ACCOUNT DISPUTED HAS BEEN PAID FOR IN FULL AND I WOULD LIKE IT TO BE REMOVED OFF MY CREDIT FILE, FOR IT HAS HINDER MY CHANCES OF ACQUIRING XXXX CREDIT.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC (NE)

I received a letter from National Account Systems ( XXXX ) XXXX stating that I owe about {$660.00} to the XXXX XXXX company. I called and visited personally to XXXX office and told them that the charges of {$660.00} is wrong and unjustified. I also told the XXXX XXXX company multiple times that these charges are wrong. Both XXXX and the XXXX management didn't provide any justification to these charges and nor they provided any evidences or replied to my emails. 
Now, suddenly I received a letter from XXXX that they sued me over this. I believe XXXX is using their legal knowledge and attorneys to earn this money from me by sending some legal notices. My background is Science and I am a neuroscientist so I have zero knowledge about these legal matters. Therefore, they are using their professional knowledge in a wrong way to earn money from me using wrongful means. I have all the documents and evidences that prove I disputed and raised my voice 10s of times to stop them but I guess they are totally unstoppable.
Consumer complaint received 2022-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

AES/PHEAA continues to send the same correspondence OVER AND OVER again when a loan goes past due. I believe this is starting to infringe on my consumer rights, as I believe they are over-sending correspondence in an attempt to harass or annoy me. Ironically, AES/PHEAA agents have claimed in the past through this portal that I submit too many CFPB complaints. That is quite interesting given how I have informed them that they are sending too many pieces of correspondence that articulate the same statements about the account being past due. I have seen pieces of mail come in multiple times in the same week. I have even had to SPAM their electronic delivery because in some cases I felt that I was receiving too many emails. AES/PHEAA claims I agreed to this amount of correspondence in the Promissory Documents that were signed in obtaining Student Loans. The individuals who made that statement are making stupid assumptions. Nowhere in any Document that was signed does it go into detail claiming that AES/PHEAA is allowed to send the amount of correspondence they send ( especially if they are doing this on purpose and sending the SAME CORRESPONDENCE repeatedly within days of receiving other pieces ). They can send 1 piece of correspondence alerting the Cosigner and borrower of the account being past due. Once they start to send the same thing again within days, it starts to become harassment. Unfortunately, their excuses they provide are not going to work. They also fail to consolidate the correspondence for multiple loans. I don't believe I agreed to multiple pieces of past due correspondence at the time I consolidated with this agency.
Consumer complaint received 2022-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (KY)

I need of your help in a serious matter involving my credit report. After reviewing my credit, I have realized that Santander consumer USA have been reporting damaging information to my credit report from XXXX in the amount of {$29000.00} on a vehicle that I purchased XX/XX/XXXX with a down payment of {$7500.00} since then Ive been making payments of a {$1000.00} each month for 3 years paying out XXXX and Santander consumer USA saying I still owe them as of XXXX, XXXX XXXX a balance of {$29000.00} Ive called them to understand and try to resolve the problem on how I still owe so much on a car I no longer have after all these years my account still with Santander consumer USA and not a debt collection Ive try to see what I have to do to resolve the high payment to lower the balance or take it off my credit report Santander consumer USA telling me that its no other way until I pay the {$29000.00} in full me telling them I can not afford that amount and them telling me they can not take any payments what so ever and as of XX/XX/XXXX this debt has been closed out and changed off as bad debt profit loss and write off and it still reporting to my credit each month due to a series of hardship and medical problems in my life while I normally make great strides to fulfill my debt management responsibilitie, at the time of the debt I was unfortunately unable to
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

RE : CASE NUMBER XXXX Please note that I have contacted Wells Fargo several times requesting my XXXX Escrow Review Statement. Each time I received empty promises by customer service representatives that it would be mailed within ten business days. 

Instead of sending me requested document, however, on XX/XX/XXXX, I received an email stating my tax document has been corrected... 

Wells Fargo Mortgage 's continuous failure to give me correct information without delays, as required by law, leaves much to be desired from a mortgage lender. 

Kindly assist.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

This credit card was fraud I dispute off my credit and spoke to the debt collector they keep sending me letters filing courts objections and forcing me to lose money and file counter objections I provide both them and the court with my dispute papers
Consumer complaint received 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX - # XXXX, XXXX - # XXXX, and 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 an account without my written instructions
Consumer complaint received 2022-05-21
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. (LA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-05-21
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. (OR)

First off my name is XXXX XXXX and I am not a credit repair service. I am an individual exercising my rights for fair credit and proper credit reporting. I demand the following information removed and deleted from my account as per the listed laws require. 

All three of the credit reporting agencies stated back that they had fully completely investigated the items listed yet if you look at the copies of the credit report that I supplied you will see that they were in accuracies incorrect dates and incorrect amounts. This is grounds for removal XXXX violating my rights. Under 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agencies can not furnish an account without my written instructions. The credit bureaus also took more than 30 days to complete my investigation. Tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the USC 1681.

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 any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-05-21
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. (NM)

A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.
Consumer complaint received 2021-02-16
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. (MI)

XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations.

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MN)

I cancelled my XXXX XXXX XXXX home internet service via phone in XXXX of XXXX. I spoke to their customer service a total of 4 different times. 
In XXXX of XXXX, I spoke with a representative named XXXX who gave me this cancellation number : XXXX and also this call confirmation number : XXXX When I still received a bill later in XXXX, I called on XX/XX/XXXX and spoke to a supervisor, named XXXX, who gave me this additional cancellation confirmation number : XXXX I also received confirmation via email that XXXX XXXX XXXX received their equipment that I returned through the mail. 
When I received an additional bill on XX/XX/XXXX, for {$94.00}, I once again called customer service and spoke to a representative named XXXX in XXXX, Arizona, who told me to " Disregard the bill '' and that my account was closed and paid in full. 

In XXXX of XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, saying that I owed XXXX XXXX XXXX {$110.00}. I disputed that debt via email with the above information, and received a confirmation email on XX/XX/XXXX from XXXX XXXX XXXX stating " Your account was credited in full and returned back to XXXX XXXX XXXX on XX/XX/XXXX. '' Despite this, on XX/XX/XXXX received another debt collections notice in the mail from a different collection agency, called XXXX XXXX XXXX XXXX, mailing address XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, for the same {$110.00} debt, that had been supposedly " credited in full and returned back to XXXX XXXX XXXX XXXX'. I responded to this notice via email on XX/XX/XXXX with all the above information.
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a hard inquiry on my XXXX credit report. I did not authorize this inquiry nor have I applied for any product or service with Capital One Bank USA. I do not know how or why my personal information might have been used to release this report. I called Capital One Bank USA to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting XXXX screenshots of interactions withXXXX regarding the unauthorized credit inquiry.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have a Lowes account and noticed only today that for the past year, I have been charged a {$40.00} late fee every month, even though My payments which are always higher than the minimum payment, are paid automatically on the due date. 
When I called to ask that the fees be reversed, I was told that it is tough luck because that is their policy. Also my due dates have been randomly changed by their system. 
This is nothing short of fraud and extortion! 
I am a senior Widow on a fixed income and I can not afford this. 
I also wonder how many other card holders they are scamming in this way. 
My account # is XXXX The payments go to Syncrony Bank Lowes XXXX XXXXSYNCB XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I opened the credit card for the purpose of doing a balance transfer from another card. When I applied it asked if I wanted to do a balance transfer. I said yes. It asked for amount. I put in an amount. I thought this was to see if I qualified for the card. I did. I was then sent the card and I opened an account t in their app. I was immediately asked about a balance transfer. I put in approximately the same amount as when I signed up for the card. I received a letter soon after saying the transfer was denied. I was under the impression I only requested one transfer at this time. The letter was very vague and did not state that another transfer was already I. The works. I did a grander through an existing card that I have. Then I opened my BOA app to see that a transfer did in fact go through. I called immediately and was told to get XXXX XXXX to send me a check for the amount. I did. They sent me a check and I immediately paid of the balance transfer amount to BOA. They are refusing to refund the {$120.00} transfer fee even though their letter was not detailed and as a consumer I did not understand. I thought it was because I was trying to transfer money from one Visa card to another. I did not know the first time I enetered the amount it was going through as a transfer. I am not scamming no just want the fee reversed. They refuse to help me.
Consumer complaint received 2024-02-18
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: Experian Information Solutions Inc. (WI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

In XXXX of XXXX I got a car lease through American car center and XXXX XXXX which is their in house finance company. On XX/XX/XXXX American car center and XXXX XXXX ceased all operations and closed down. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  that stating I was to make my payments through them now which I could understand if they bought the company or whatever happened but what I dont understand is XXXX can not provided with any contract or anything stating I legally pay them for a lease I had with XXXX XXXX now. And also in my contract with American car center and XXXX XXXX in states that any modifications were to be made then it would be done in writing and me and the assignee would both have to sign and that never happen. XXXX cant not give me any information besides what my payment is and that they wont be to pay it. Ive asked on serval occasions if I would get a title after I finished and was told they didnt know and then to top it off my they changed my monthly rate and made it to were it will take me at least 5 years longer to pay the car off
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in XXXX  has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.