davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I received a message from Chase Fraud alert that someone had put a {$1400.00} purchase on my credit card account. They messaged me at XXXX AM and I responded immediately also at XXXX AM that it was not me. They took the charge off and I went back to my normal life, not thinking anything of it. On XX/XX/XXXX, they re-billed me for the money saying that it was a valid transaction. They said that the company XXXX XXXX ) which someone had purchased a XXXX XXXX for the above amount, with my name, email address, phone number, and a fraudulent email, had purchased the item. I told him that it was not my email account, and I never have been to that XXXX XXXX in years. I even told them that I responded right away to the issue, and filed an appeal. They as of XX/XX/2022 still denied my appeal and claimed it was a valid transaction. I have filed a police report about it in the past week, Ive contacted the merchant, and Ive talked with Chase fraud, and I received no help, they provided me no phone call or email or message until the XXXX letting me know what to do or how to pursue. They failed to disclose that the individual made XXXX purchases apparently, even though the text I got indicated they had DENIED the transaction. They have put the burden of me trying to prove my own innocence on me, and despite their claims of preventing/resolving fraud, are making me pay the {$1400.00} on my own for a purchase I never made!
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

COMPLAINT : I am a XXXX-XXXX  XXXX seeking to open a checking account. Experian has placed a block on my credit access, stating that that it can't " verify '' my identity. I submitted a copy of my social security card and documentation verifying my legal address via your upload function on your website on XX/XX/XXXX and again on XXXX XXXX. Experian subsequently sent a copy of my credit report to me via mail, with no explanation. Meanwhile, no bank will open an account with me due to Experian 's inexplicable hold. Experian has carefully designed its system so that a customer has no way to speak to a service rep. This whole affair is an exercise in supreme frustration. The other credit bureaus have provided no objection. 

I will report to XXXX  in less than two weeks. I therefore request that you intervene to ascertain why Experian is blocking my credit, why no action has been taken to resolve it and ask them to resolve it quickly.
Consumer complaint received 2024-02-29
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. (WI)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sessoms & Rogers, P.A. (NC)

I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
Consumer complaint received 2024-02-29
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. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX
Consumer complaint received 2018-12-14
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. (MD)

I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.
Consumer complaint received 2018-08-03
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. (NH)

My student loans that have been rehabbed are being report twice on XXXX  and Experian. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. Experian will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
Consumer complaint received 2018-08-03
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. (NH)

My student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (AZ)

I have been contacted numerous times over the last 2 years by Diversified Consultants. I sent multiple letters and verbally asked them not to contact me anymore unless they mailed me a breakdown of the detailed charges. Kept getting phone calls, in XX/XX/2018 I sent a certified letter asking not to contact me/3rd parties, etc. and again requested details of charges. The only thing I received is a letter with XXXX XXXX XXXX letterhead my name and an address.I again started receiving calls XX/XX/XXXX/XX/XX/2018 requesting I make payments. I had to state again about certified letter asking not to call or I will take necessary steps to end contact. Some creditors have removed charges, but they keep reporting them back to other creditors.
Consumer complaint received 2021-06-08
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Placed money in a investment account pushed by the bank.After five years the value never increased but decreased although markets increased over this time. The bank continued to charge a yearly maintaince fee even with negative returns. The worst decision I have ever made by letting a bank invest my money. Lost time and money thru this deal.
Consumer complaint received 2016-06-19
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (IN)

I am a widow and a woman with a XXXX, I have limited money so I do XXXX on the side to support me and my daughter. On XX/XX/XXXX a client paid me via XXXX a deposit so that I can start a editing job for her FOR more than 24 hours I could not access my own money that I worked hard for. I contacted the business three times and I was advised that my money would be released so that I may transfer it within in two hours. I first called the business at XXXX on XX/XX/XXXX. I called again in the afternoon on the same day and was advised in two hours the website would be working. It is now 24 hours later and I have not been able to transfer my money to my prepaid card. 

I contacted them to ask them what were they doing to compensate for this inconvience. I was told nothing would be done. I still do not have access to my money and because of this I need to file a complaint against XXXX this is unacceptable I called again on XX/XX/XXXX spoke to a Rep named XXXX asked for his supervisor I was hung up on .... 

my client is upset because I promised her a sample before we got started on her project. I had to take money from my Personal savings account so that I can start on this project for a client because paypal 's prepaid card is having problems and you are not able to transfer money from your paypal account to your prepaid card. I use this account for my business and they are affecting my business. I asked them what they are doing to compensate for this and I was advised nothing would be done.
Consumer complaint received 2018-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (CA)

I have been trying to refinance with XXXX XXXX  since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX  dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America to verify a principal forgiveness letter my wife and I signed and they told me that they could not find the letter for me to find it and submit it to B of A, we signed that letter on or about XX/XX/XXXX or XX/XX/2011, the bank manager kept the letter and I dont believe they offered me a copy, so Im wondering what happened with the letter.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : 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 EQUIFAX 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  Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

After reading your online advisory for student loan co-signors, I wrote a letter to XXXX and Navient requesting to be released from my obligation on my grandson 's college loan. I am a XXXX-year-old widow with limited income and have health issues. If the good XXXX calls me back, I do not want my grandson to bear the responsibility of paying the loan immediately and totally. I did send both companies one of your sample letters. XXXX did not respond but Navient did refusing to release me because my grandson had not made 4 YEARS of consecutive on-time payments. That is an absurd and unrealistic requirement designed to thwart co-signors from being released. Navient did not provide proof of his payment record with its terse response ; I guess they thought I should just expect the word of a dishonest, reckless company using deception to take advantage of its youthful borrowers. Navient also did not respond to the other questions I posed on the sample letter as well. My grandson can not recall being informed about the income-based repayment plans either. I would like to add my voice to those individuals expressing their concern about being caught in Navient school loans nets designed to snare them and their co-signors with deceitful, unethical and illegal business practices Future loan recipients should be aware of Navient. Finally, I thank the CFPB for its work in exposing these deceptive and harmful business practices.
Consumer complaint received 2021-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I had an account with XXXX XXXX XXXX and I settled the account with XXXX, they promised after settlement they would delete the information from my credit report and they failed to do so after 13 Months, Im currently unemployed and homeless and the negative information is hurting my chances of getting employment and an apartment. I tried to explain to Experian this was settled and it was supposed to be removed, they claim XXXX has confirmed the credit card. I didnt ask for a confirmation, I requested to be removed since the account was settled and they are going back and forth with me confirming the account. I dont know if they understand the situation. Or if they understand English.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

In XX/XX/2018, I moved from my home in XXXX  to XXXX. I put my home on the market and did not get any offers until a short sale offer was made in XX/XX/2018. My real estate agent, attorney and I completed the forms for the short sale and sent them to Nationstar Mortgage. We did not receive any response. After numerous calls and letters requesting a decision, I filed a complaint with the CFPB. Nationstar still would not make a decision and the buyer backed out of the offer. We then received a new offer that was slightly higher but still a short sale. Nationstar then sold the mortgage to XXXX XXXX XXXX. XXXX then required us to complete all new paperwork, which we did. After two years of asking for the short sale to be processed, XXXX then decided to not accept the short sale. The foreclosure sale has been continually adjourned for future dates and each month XXXX reports delinquent payments to my credit report. Today I received a civil action notice from Nationstar Mortgage seeking over {$50000.00}. How does a mortgage company that sold my mortgage over two years ago, file a civil action against me? I have been trying to get this property sold for over three years now and each time it has been held up by a mortgage company refusing to process or even answer the paperwork we filed with them. I have reached out on numerous occasions to the CFPB and have not had any resolution. How am I responsible for additional monies due when the reason for these additional costs is the mortgage companies ' refusal to process the sale offered.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (UT)

XX/XX/2019 - I received an e-mail from XXXX XXXX stating " We've received your payment '' for {$50.00} - I have not made any recent payments to XXXX XXXX. 
- I contacted XXXX XXXX  via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by XXXX. It's a Manual payment made using our Pay by phone number. '' - I advised XXXX XXXX  I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- XXXX XXXX then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call FIRSTSOURCE ADVANTAGE LLC at XXXX for more info on it. '' - I replied to XXXX XXXX stating the payment shows directly from XXXX XXXX in the e-mail not a third party company. 
- XXXX XXXX made no further responses.
Consumer complaint received 2023-03-16
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 everything must be true and 100 % accurate. 

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal. 

15 U.S.C 1681 section 602 A states I have 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.