davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

There was a debt resolution that has been completed as of XX/XX/2022. I made a XXXX ( XXXX ) installment payment for a total of {$3000.00}. I have received the lien release and a copy of the title ( via XXXX Mail ) as of XX/XX/2022. I have been reported inaccurately for XX/XX/2022 as well as XX/XX/2022. My account has a XXXX ( XXXX ) balance. I reached out to a Chrysler Capital representative as of XXXX p.m. XXXX on XX/XX/2022. The representative was provided my social security number and I provided them an explanation for the call and I was disconnected. I explained according to the Fair Credit Reporting Act that ALL information that is reported to credit bureaus must be accurate and up to date. Chrysler Capital has reported my account incorrectly and I question the integrity of their reporting and would like ALL reporting to be reviewed for the entire time of my loan and any misreporting to be corrected immediately.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NJ)

The collection company claims I owe {$760.00} to XXXX for damaged phones returned by mail. Tracking # 's attached. They were not damaged when I sent them. No one reached out to let me know they were received damaged and I owe money. If they were, please provide proof they were damaged.
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (NY)

ACA did not apply payments correctly to account which resulted in inaccurate " late '' payments, delinquent status, and repo order. Paid 3 months in XX/XX/XXXX for XXXX, XXXX, and XXXX XXXX to XXXX only and interest. All payments on time but reports show 7 lates. Request for deferring in XX/XX/XXXX not honored as told if I made a payment by XX/XX/XXXX which I did. Denied deferring again in XX/XX/XXXX due to delinquent status. Payment canceled in XX/XX/XXXX by ACA after putting loan in repo status. ACA rep rude, wouldn't connect me to reinstatement dpt, and hung up on me. Motor seized and upon calling ACA in XXXX was just told I need to make payments or car would be repossed. Late hx, status, and incorrect balance on all 3 credit reports can not finance another vehicle or get a loan. I called the reinstatement dpt who just kept trying to collect money. She finally said I can send a repair estimate over and they would deduct that from what I owe. Then the difference between what I owe and the kbb value of the vehicle can be negotiable to pay off loan.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/scrub>/2024, I had work done on my car at XXXX. Was offered ACIMA leasing to pay a portion of the amount to do repairs. I put some money down. The amount put through ACIMA was more than I actually borrowed. I contacted ACIMA same day, after I downloaded their app and saw the amount was wrong and I called them. I then found out that they charged me an additional amount for credit protection. I told them to remove it. They argued with me to keep it and I still told them to remove it. I told them the amount of the lease was wrong and they said they would put in a request to the dispute department and I would have a response within 10 days. It is now XX/XX/year>2024. I have called ACIMA four times between XX/XX/year>2024 and today. I am continually told that the dispute department has not been able to get to my request and that they are behind and can not tell me when they will look at my account and correct the amount of the lease for services. I advised them that this was fraudulent and predatory lending. I have since made XXXX payments to them. I told them today that I wanted a payoff to pay them in full and I am not able to get a correct payoff amount because the amount they have in the lease is higher than I actually owe. I asked to speak to a supervisor ( XXXX XXXX. ) who told me that she can not provide me with her last name. She can not provide me with a timeframe that I will get a call back from the dispute department because they are " working diligently but know they are behind and that is not their fault. '' She then asked if I wanted to return my items and could send me to the return department. I asked her how I was going to return an oil change and spark plugs and rear differential on my car? She again said she couldn't do anything and she could send me to the return department. I told her I wanted a payoff to be able to payoff the lease to own today and she can not do that because they can't give me a proper payment amount. She can not tell me when they can do that but she sent another email to the dispute department. In the meantime, they are charging me interest and collecting payments which are incorrect and I want to pay them off because they are operating fraudulently on their lending. Oh, but according to XXXX XXXX, they are not a lender and she has no idea who regulates their business.
Consumer complaint received 2022-05-13
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)

Sent Equifax several letters beginning XX/XX/XXXX until XX/XX/XXXX with FTC reports and police reports stating that I did not recognize nor authorize the following inquiries : Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Equifax refuses to delete them after sending letters. They are in direct violation of FCRA. I tried calling the agent stated, " Inquiries can not be deleted as they are verified. '' However, I stated I did not recognize these inquiries nor authorized any of these inquiries.
Consumer complaint received 2020-11-10
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: BANK OF THE WEST (TX)

Bank of the West is reporting an account to my 3 credit bureaus that is no longer my responsibility and was given over full responsibility to my x wife per our divorce decree. I have late payment report which are detrimental to my credit rating showing I Was 30 days late ( 2 ) time ( s ). Was 60 days late ( 1 ) time ( s ). Was 90 days late ( 1 ) time ( s ). I have tried to not only inform, but get this resolved with Bank of the West via telephone and by a letter I mailed disputing and explaining the situation. They have yet to rectify their mistake. 

I have attached the Divorce Decree from XX/XX/2009, the credit card account # XXXX Bank of the West is listed on Page 3 and Number 9
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (GA)

I am writing this Due to noncompliance with the CRA Equifax. They failed to remove information that was Affiliated with personal information and Details that were challenged in the past. I strongly believe that they are in violation of the FCRA And out right refusing to uphold the law.
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (NC)

XXXX, Equifax and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.
Consumer complaint received 2021-11-10
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. (TX)

My credit report shows inaccurate and unverified account from XXXX. I have reported the issue to XXXX on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. XXXX is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer
Consumer complaint received 2024-03-26
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: Westcreek Financial (IL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (LA)

I believe my identity has been compromised. On XX/XX/2022 I received XXXX Equifax alerts that my credit had been pulled in XXXX car dealerships : XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. On XX/XX/2022 I also received an XXXX alert my credit had pulled at another car dealership : XXXX XXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local Sheriff 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My Sherriff 's department said it was likely a spoof number and could only tell that it was a XXXX number.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OK)

Elan Financial closed my account without any notice. It took two phone calls about why my card was not working to be told that they had decided to close my account. This was 2 weeks before I called them. When I asked for the legally required notice of account closure, via mail, I was told no. They advised that I would have to call back and speak to another department as they had sent the notice already. I asked for proof of delivery as I had not received this notice, and as such they should be able to resend it. They absolutely refused to do their due diligence and send me the written notice so that I could possible address their concerns. My app, portal, and every log in I have all show this card as active as well.
Consumer complaint received 2023-03-17
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: Sa-Vit Enterprises, Inc. (NJ)

Sa-Vit filed multiple collections for the same account with credit reporting agencies. The issue revolves around one account with a Doctor. Related to a coding error on the Dr Office 's side. Sa-Vit contacted me only once regarding the account to which I responded. The Dr 's office was looking into it to correct. In violation of Federal law Sa-Vit filed numerous collections notices with the reporting agencies. 

Sa-Vit proposed a solution, which I accepted. 50 % pmt of the alleged amount due and they would remove the collections from allcredit agency reporting. They subsequentlyrescinded that offer. 

Sa-Vit is engaged in an unfair practice bullying and extorting collection by means of credit agency reporting. 

My credit has been severely damaged as a direct result of their unfair and illegal actions.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc. (UT)

I have a credit account with an app called Grain. It's a type of " digital credit card '' and I have reached out to the company through the channels they provide through their app - which is exclusively email. I got an automated reply saying they would get back to me within 2 business days and I have yet to hear back ( 4 business days ago ) I have asked for my account to be closed and they have not closed my account nor-acknowledged my request.
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX and TranUnion have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.
Consumer complaint received 2020-12-17
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: EQUIFAX, INC. (NJ)

Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (GA)

I have proof that I pay my monthly payment every month about 13 days before the due date which is the XXXX of every month. I have paid timely every month for over 2 years. However, due to their inefficient " system '', every few months I get notified ( calls and letters ) that my account is past due and get charged a late fee. It then takes HOURS of my valuable time trying to get them straight. I have asked for a supervisor to contact me and to have this continuous problem rectified. For example, my statement dated XX/XX/XXXX states I have no overdue amount owed and my next payment of {$5100.00} is due XX/XX/XXXX. They received this amount on XX/XX/XXXX ( 12 days before due date ). The statement dated XX/XX/XXXX claims amount due is {$9000.00} which includes a late fee of {$85.00}. How can this erroneous statement be generated? When I called today, I was on hold while it was being " researched '' for an hour. The rep finally admitted she has no answers.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (TX)

I am a victim of online fraud. My checking checking account was compromised for two fraudulent charges, adding up to nearly {$3000.00}. I had about {$800.00} in my checking account at the time. Since I had overdraft protection with a credit card also issued by Wells Fargo, I was charged {$2000.00} to recover the deficit from my checking account while my checking account was overdraft due to the fraud. 

My checking account was immediately closed. When I called to resolve the situation with Wells Fargo customer service, they proclaimed they would not reimburse me for the money in my checking account. Also, they told me since my credit card did not have fraudulent activity, they would not count it as fraud, and I would need to pay back the money to Wells Fargo. I have not received any support and luck trying to sort things out with Wells Fargo. 
I continuously called to address the charges on my credit card. I spoke to many people, including supervisors, regarding the money I lost in my checking account and the charges on my credit card. 
Now, I am coerced to pay back the balance, and they will not reimburse the money taken from the checking account. 
As a result, my credit card has been accumulating interest and late fees because I havent paid this account, and I dont feel like I have to pay for it since I was a victim of fraud. They have ruined my credit and will not empathize with me. I do not have a lot of money, so I can not hire a lawyer, and even if I did, I can not compete with Wells Fargos attorneys. I feel helpless, and I am reaching out in hopes of getting justice and resolving this issue.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

My bank sent a check for {$500.00} on XX/XX/2022 to be deposited into a certain account Chase deposited the check into an account but not the correct account. I sent Chase a letter on XX/XX/2022 asking them to put the money into the correct account or refund my the {$500.00}. I have not received the money back or the account has not been deposited the {$500.00}. I called my bank ( XXXX  ) and Chase and could not get help from either. I included with my letter a copy of the back and front of the check which was provided to me by my bank showing when it was deposited.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CO)

I moved at the end of XX/XX/XXXX and cancelled my service with XXXX XXXX. They continued to bill me for service at my new address. I had many calls with them during XX/XX/XXXX and XX/XX/XXXXto get this corrected. They did send me a gift card for one month of over billing but continued to dispute the other. On the last call, ( I have the date at home ) We agreed that they would partially credit my account and that I would pay {$55.00}. I told them I would pay this as soon as I received my gift card, and I did. Payment was deposited by them on XX/XX/18 and cleared my bank on XX/XX/18. They sent me to collections. I contacted the collections agency and sent them a copy of the front and back of my check to provide to XXXX XXXX. Yesterday, I was told they did not accept my proof of payment, the debt is still owed and they will continue to come after me for the money. I spoke with an attorney this morning and this is in violation of the Fair Debt Collections Act.