davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

The original dealer I leased the vehicle from has permanetnly closed. I have called several of the dealers as indicated on the Chryser Capital website and have been informed they don't accept returns of vehicles not leased through them. ( This is different from what Chryser Capital has indicated. The dealerships transfer me around the and I leave messages but don't hear back. I called Chryselr Capital customer service and they gave me another dealership even further away. I was transfered 3 times there and I am waiting for a callback. I would like them to arrange for a convenient return at the end of the lease. I believe it is unfair and deceptive to list dealerships on the website that are unwilling to accept all returns. 

I am sure this is to pressure people into purchasing or leasing a new vehicle. ( In which case the dealer would accept the return ).
Consumer complaint received 2019-07-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

I called AES today XX/XX/XXXX because I had deferred my loan for 12 months and it was saying I had a payment. I have tried for months to have my payment lowered due to my XXXX year old having XXXX and they are not willing to work with me. Today and XXXX lady who I could barely understand said my loan was deferred for 12 months and there was nothing she could do about this payment. I can not keep paying this ridiculous amount for my student loans. I have tried and tried to work with this company and they will not work with me
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MD)

This year, when I filed my taxes for the XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, XXXX XXXX  was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XXXX  for a Victoria 's Secret credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.
Consumer complaint received 2019-05-08
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: Exeter Finance, LLC. (TX)

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Consumer complaint received 2019-07-22
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: Midwest Recovery Systems (TX)

After having excellent credit for 25 years, my bank recently informed me that my credit score with XXXX ( " XXXX '' ) had dropped dramatically. They recommended that I review my XXXX credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by Midwest Recovery Systems LLC, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of Midwest, I immediately filed a complaint with XXXX. Within a week, XXXX wrote back and stated that Midwest had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until Midwest removed it. XXXX suggested that I contact Midwest to resolve the matter. I called Midwest on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The XXXX rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} ) they would remove their claim with the credit agencies. HOWEVER, Midwest could not produce ANY facts about when, who or why I owed this money. I checked out Midwest with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been XXXX  complaints about them in the last 3 years. My credit has been damaged by this scam. XXXX should be VERY SKEPTICAL about ANY claims lodged by Midwest.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/XXXX, I was engaged in a legal battle and alerted my creditors of my situation. I had credit protection services on several of these accounts however, once I notified the company of my status they charged off the accounts. In summer of XXXX I offered to pay the charge offs in full for exchange to have the reporting changed and the accounts were dated and listed as new debts which reinjured my credit score. Both original creditors and debt collection companies refused any negotiations to remedy the issue and have sent me updated delinquency policies that I was not made aware of these changes. How can I fix an issue these creditors do not want to work with the consumer to fix? 

" We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status ''
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK (KS)

Commerce bank started charging customers a {$3.00} statement fee in XXXX of 2017. They did not seek authorization to do this, they simply put a note on a statement saying they were going to charge for this. They also said you could unsubscribe online, which you cant. I had no idea about this fee as they had disguised it in the billing ledger as a service fee. Upon reading through my statements, they call it a statement fee on the ledger on the paper statement and they do not list it in the itemized charges they show for fees and other services charged on the invoice. Attached you will find a screen shot showing these things. I contacted commerce and they basically said, " we told you on the XX/XX/2017 invoice we would charge you and so you should have unsubscribed then ''. They then proceeded to tell me I needed to come in to the bank to clear this up and turn off the statements. I was also told by XXXX XXXX, complaint handler at Commerce, that they couldn't possibly have asked customers online to opt in or out of this or even notify customers this was happening. I told her they could've prompted customers at login but the point of this move was to quiet take money from customers without them noticing. They are literally sneaking and mislabeling fees to generate revenue.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022, I placed a take out order at a local restaurant. When we arrived to pick up the food, the restaurant was permanently closed. We immediately contacted the credit card that we had used for this purchase - TD Bank- to get a refund. We were told that we had to contact the company that we had paid. Since the restaurant itself XXXX XXXX XXXX XXXX XXXX ) was closed, we contacted the company XXXX XXXX XXXX that had facilitated the credit card charge and asked for a refund.That company said that the closed restaurant had another branch and they ( XXXX ) would try to get the money back from that other restaurant. We made repeated calls/sent emails to XXXX and they eventually got back to us and told us they couldn't get our money back. At that point, we called TD bank again ( probably XXXX? ). TD said that they would look into it. Since then, I have called TD half a dozen times. Until yesterday, no one has ever gotten back to me nor have I received any communications about this issue. Yesterday, I received a letter from someone in the " Customer Cares/US Fraud Management Office '' with a number for me to call to discuss this issue. I spoke to that representative today and she said that my original request to file a dispute came more than 90 days after the charge ( not accurate because I called right after we discovered the restaurant was closed and at that time they did not tell me that there was a time limit to contact TD again while we tried to resolve things with the merchant ). The TD bank representative said that they will open a new dispute for me- which might be approved or denied- and I'll hear in 90 days. I can not tell you how much time I've spent on this issue. I've made at least ( since XX/XX/2022 ) 7 phone calls to TD bank. I just want my {$67.00} back. This was fraud - I paid in good faith for something and did not receive it. My repeated attempts to get the money back have failed. Please help me!!! I know you deal with much more serious issues and I'm so glad that you are in existence. But I would really like to get a refund. Thank you! XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Experian isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # *****XXXX. Date XX/XX/2019 my credit score drooped by 31 points. 
My credit card Acct # xxxx-xxxx-xxxx-XXXX Visa the bank name is XXXX XXXX XXXX.This credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score.  Can you please help me with this problem?
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is putting negative remarks and balances stating that I owe on my consumer report. They removed the negative remarks once before but placed them back on my consumer report. I am demanding that capital one properly remit 1099c so that I can properly complete my tax returns because all cancellation of debt is suppose to be on my 1040. I am instructing capital one to send me my copy of the 1099 B for both XXXX and XXXX for documentation for the debtor that they have transferred it over to the treasury. I am also instructing capital one, XXXX, XXXX and XXXX to update my consumer report and score with concerning capital one.
Consumer complaint received 2022-10-06
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights . 15 U.S.C 1681 section 602 A states I have a 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.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (AL)

I paid on the loan for my vehicle, and was never late on a payment. I got XXXX and my income dropped. I called the financial institution and explained the situation. They said they could not lower my payments. At that point I told them that I would volunteer and surrender the vehicle to them. The man i spoke with said that the vehicle would be enough to satisfy my loan, because of me saving the company re-possession fees and other costs. ( Apparently not ).
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for XXXX and Equifax. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XX/XX/2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
Consumer complaint received 2023-01-13
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. (NC)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX  days late payments on my credit report. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are this account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I submitted a dispute to Equifax ( along with XXXX  and XXXX   ) over a collection debt that was already paid. Here is the 10 Digiti Confirmation Number : XXXX for the dispute with Equifax. 

I have made several attempts to view the dispute status online and am unable view it. Their system is unable to provide me with access to the dispute center so I can view the status of my dispute. I believe their front-web programming team needs to investigate the techical glitches with their website. 

On two occassions, when I was able to access the Dispute Center and went through their verification process, the information Equifax used was not relevant to me. Since the information was not relevant to me, I was unable to access the online Dispute Center. Please make sure they are mixing my information up with my uncle that has the same name ( his middle name has the same initial but, is different from mine ) as I do. My uncle, XXXX XXXX XXXX, age XXXX, lives on XXXX XXXX XXXX, XXXX, Massachusetts. XXXX.
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX  XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.
Consumer complaint received 2022-10-06
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. (OH)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions