davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (SC)

We called Chrysler Capital to get the payoff for my wifes 'XX/XX/2019XXXX XXXX. We were told to remit a cashiers ' check from our bank in that amount and have it sent next day certified mail, which we did. The cashiers ' check arrived 2 days later and was credited to our account that night. Two days later we checked again and saw the same thing and that our account was paid in full. 

Three weeks later all credit reporting showed the account was still not paid. Got back online to Chrysler Capital and found that the cashiers check had been credited then removed from our account three days later. No email was sent, no letters received, no calls from Chrysler Capital. We called them and got the runaround that we never made a payment, then the check was made our wrong, then that our bank ( XXXX XXXX XXXX XXXX ) denied the check, which per XXXX XXXX, is not true, as a cashiers ' check is seen as cash. No one from Chrysler Capital contacted our bank, and we verified that the image of the check was correct with routing and account numbers. 

So now, until i can wait out the time until XXXX XXXX considers this a lost check, I am out {$18000.00}. Chrysler 's advice? Send them a personal check in the same amount. This is ridiculous and bordering on the criminal. It doesn't help that Chrysler Capital allows no payoffs more than {$2900.00}. I'm disgusted. And from what I have seen online, they probably should have been investigated before this.
Consumer complaint received 2019-01-29
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. (NC)

I have repeatedly disputed incorrect payment history on my account. It keeps reading every month and has been charged off since XX/XX/2014. Somehow they keep saying that I am making payment and then going in to collection in an effort to renew the debt and keep my score low. They refuse to remove the incorrect information.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (CA)

Id like to report an unanswered billing error with XXXX XXXX Bridgecrest Auto Finance, that requires proof of account and how much of the debt, if any, is still owed. I conditionally accept their offer upon proof of their claim. 
On XX/XX/2024 we sent in our initial payment. It was returned to me on XX/XX/2024 as unacceptable. I reported the billing error via email on XX/XX/2024 AND via Registered Mail on XX/XX/2024 via Certified post with tracking # XXXX. The latter was sent to their Corporate address at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Copies of documentation sent are attached. ( attached 1099 A copy and the recission letter )
Consumer complaint received 2022-05-18
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. (FL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomple

te information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, I
NCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went the Bank of America ATM at the XXXX XXXX XXXX in XXXX, Ca on XX/XX/XXXX. 
I exited my vehicle around XXXX XXXX and proceeded to the ATM with {$2000.00} cash and {$9900.00} in checks. I looked around to make sure it was safe and proceeded to deposit {$2000.00} cash in the ATM. After depositing the money the machine just started to circle round and round then showed a error or failed messaged. I was concerned but then proceeded to now deposit the checks. I completed the check deposits but never saw the {$2000.00} cash credited to my business checking account. So I decided to take a picture of the ATM and phone number to call in about the faulty ATM. I spoke to a rep and told them what had happened and she told me that she had saw the {$2000.00} scanned in but not credited. She stated that it will credit after midnight which it never did. She said not to worry because when they see it scanned in, it will definitely credit to the account. The next day the money never showed in my account and I then called to make a claim. They credited my account {$2000.00} dollars and did a research. They then on XX/XX/XXXX debited the money back out of my account and said no such funds were ever deposited. So now this relationship with BofA is broken since they believe I'm not forth right and would lie after the all account I have with them. My business deposits around XXXX monthly and for me to fabricate this is absurd. On my life I put that money into that ATM and it was never credited to my account. I have explained this to BofA several times through calls and visiting the bank in person. I also filed a police report with the XXXX XXXX department XX/XX/XXXX. I am being put through a lot of mental emotional stress anguish over this theft by Bank of America. Them saying that I'm lying about it that it never happened. I work so hard to make money and I know what it takes to earn it. I'll be seeking legal council soon and I will testify under oath. I will not let a rich bank take hard earned money from my business and tell me to go away. The cameras will tell the whole story of what happened that night. I look forward to my day in court.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from Southeast Toyota Finance ( SETF ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted SETF at that time and informed them that the dealership was handling everything. After a few more notices from SETF, I repeatedly contacted the dealership and asked that they do something about the invoices from SETF and they repeatedly assured me that they were taking care of it ; in hindsight, they werent.

I heard nothing from SETF after the dealership informed me that they took care of everything, clearing up the situation with SETF and that they sent a payment to SETF to cover the lost key.

I recently checked my credit report and found that SETF had entered a charge-off against me. SETF never advised me in advance that SETF would be reporting a bad debt. I submitted a dispute with Transunion and Equifax regarding the charge-off. Both bureaus reported that they had contacted SETF and that the charge-off was correctly entered by SETF. I contacted SETF and they informed me that the dealership, or the warranty company, had indeed sent SETF the balance due on my account, but that SETF had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing SETF could do to rectify that since it had already been reported.

Because the dealership ( and the warranty company ) were delinquent in sending SETF the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please be advised that CREDIT BUREAUS is reporting the wrong address information on my credit report. Please delete the following listed addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/2021
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (CA)

Upon checking my credit, numbers are missing from my credit report ( s ). Please add and update my phone number ( s ) on my credit report immediately! XXXX XXXX Also add address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/XXXX - I opened a bank account with XXXX under the promotion - " Welcome {$500.00} Checking Offer XXXX XXXX, XXXX XXXX XXXX ''. The account was opened online using the promotion code XXXX, but I was never given the account number or routing number. The page told me the account was successfully created, but that I would receive an email with the account number and routing number. For the days following, I waiting on that email to make the initial deposit, and I never received the account details. 

XX/XX/XXXX - As I have not gotten the email yet, I have been unable to make the initial deposit. I visited a branch so that they can provide the account information and to make a {$100.00} deposit. The teller attempted to make the deposit, but then told me the account was closed. Reason given " did not make required initial deposit ''. I explained I was unable to do so as I was never given the account information. I was told I could open a new account at that time. I explained I signed up under a promotion, and was told they could apply it to the new account. A new account was created, and the agent said she will apply the promotion XXXX. 

XX/XX/XXXX - On the same day, I received an email with the following : " Thank you for enrolling in the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' XX/XX/XXXX - I received the following email : " Thank you for your recent enrollment into the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. '' I have NEVER had an account with BB & T, SunTrust, or Truist prior to the accounts I created above. 

I called customer support, and they told me that because I had created the first checking account ( the first one that I never received account details for ), that it counts as having a personal checking account with Truist, and therefore, I would not be eligible for the promotion... 

To summarize, I created an account online, they never provided me the account details, they told me the account was closed because I never made a deposit ( which i couldn't without the account number ), proceeded to tell me to open a new account, then telling me that the new account was not eligible for the promotion because of the first account that they closed. 

This seems like bait and switch tactics to get people to open new accounts under the assumption that they will get what was offered by the promotion.
Consumer complaint received 2022-05-19
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: LEXISNEXIS (MI)

Lexis Nexis has violated my federally protected rights. 
I reached out to Bankruptcy court regarding if they furnished the bankruptcy to Lexis Nexis they responded they did not, the letter is attached.. 
I sent Lexis Nexis a handwritten letter around XX/XX/2022 exercising my federal rights and they have failed to respond. 
Lexis Nexis did not have a Permissible Purpose, and bankruptcies shall be excluded per the FAIR CREDIT REPORTING ACT. 
I HAVE NOT GIVING WRITTEN INSTRUCTION TO FURNISH THIS INFORMATION NOR HAVE I GIVING AUTHORIZED USE OF MY INFORMATION TO LEXIS NEXIS. REMOVE THIS INFORMATION TO PREVENT FURTHER INJURIES.
Consumer complaint received 2022-05-19
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. (NJ)

In accordance with the fair credit reporting Act. 
XXXX  XXXX, XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXXXXXX XXXX XXXX, Account # XXXX, date opened 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 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CONVERGENT OUTSOURCI XXXX Balance {$640.00}
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am a customer of Chase Bank, and I have a problem disputing a transaction. 

On XX/XX/XXXX, I noticed that my debit card was charged {$42.00}. Looking at the transaction history, it appeared that someone used my debit card in XXXX because a foreign exchange fee was also applied. 

I immediately called Chase Bank and informed them about the transaction. I also mentioned that I have not lost my card and I have never been to XXXX, so I requested the transaction be reversed. Chase Bank opened an investigation, and after a few days, I received a letter from them stating that the transaction was authorized and they didn't see any issues with it. After that, I called them multiple times and also visited the branch, but no one was able to assist me in reversing the transaction and just told me to call different phone numbers. 

I need help getting the fraudulent transaction reversed, and Chase Bank is not attempting to resolve my issue. 


I attached a copy of my credit card history that shows that I have made multiple purchases in the XXXX using my credit card at the time when fraudulent transaction happened which proofs that i haven't been in XXXX when the fraudulent transaction occurred. 

I also attached a fraudulent transaction statement and a response that I got from Chase Bank regarding this issue.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NY)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DK, Consulting, Inc dba Huntington Financial Services (MS)

My mother was contacted by XXXX XXXX with Huntington Financial Services- he told her I should contact him. I contacted him and he informed me I have a loan that needs to be repaid. I asked questions about it since its new information to me, and he threatened to seize my car and belongings, call my work, and use my paycheck to take the money that is owed. He only told me the loan was {$500.00}. When I asked what type of loan l supposedly took out- he replied if youre not going to pay the loan we will sue you. I have no knowledge of this loan and was just wanting information. I also asked to speak with his supervisor because he is unprofessional and he cursed at me then told me he is the supervisor. According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and Truth in Lending Act, he violated my rights twice ; by threatening harm AND threatening to take my property.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TX)

Yes, good evening my name is XXXX XXXX I have with Phh mortgage company, I was approved for a loan modification only to find out I have been SCAMMED.XXXX dollars which was the new modification from XXXX to XXXX of XXXX so if I can get some help I would appreciate it Thanks, XXXX XXXX XXXX