davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

I leased a XXXX XXXX XXXX XXXX. At the end of the lease I decided to purchase the vehicle. I called Chrysler Capitol to find out how they wanted it handled. I was instructed to send a check. I asked if they needed a cashiers check, and was told no that was not necessary. They sent me a letter with the same instructions. 

I mailed a check ( thru UPS ) that was accepted XX/XX/XXXX at XXXX XXXX. 
My check was cashed on the same day XX/XX/XXXX. 

Chrysler Capitol is now telling me that they take 21 days to process. Then they mail it back. I asked if I could get it any faster, they said if I had a XXXX account number they could use that and it wood speed things up. I said I had a XXXX number, to which they replied they only use XXXX. Even if I had a number, it would still take 21 days before they could send it. 

I was also told that it took that long to get Chrysler Capitol off of the title. I did let them know that I live in California, and it is all electronic now. Chrysler Credit was aware of that, however they seem to have needed some kind of paper trail. 
So as of now, I sent a check for {$27000.00}, and they keep my money for a month before I can legally get my title. I have read my lease agreement, and all of the correspondence with Chrysler Capitol and this is stated nowhere.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma (NY)

Credit Karma is suppose to help you with your credit, however they don't they tell me to sign up for loans and i don't get approved. Then my credit goes down for a hard inquiry and I don't get approved for anything after taking all my personal information.
Consumer complaint received 2021-10-22
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. (HI)

I sent a dispute letter to Experian, on XX/XX/2021 asking for an independent investigation and asking to verify accounts with original contracts and original signature so that they please verify legal ownership of the following accounts : XXXX XXXX XXXX - Account # XXXX .... 
XXXXXXXX XXXX XXXX  - Account # XXXX ... 
XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account number # XXXX 

Unfortunately they replied today XX/XX/2021 with no Independent investigation results and they did not furnish any signed contracts or any original contract documents, it seems that sadly Experian merely was parroting Information received from other sources.

15 U.S.C. 1681 ( a ) ( 4 )
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

I first noticed Berlin-Wheeler placed a collection account on my credit profile for a balance of {$410.00} with XXXX, XXXX, and XXXX. I then sent them a request to validate this account because it was paid before going into collections, and they got that letter XX/XX/2019 via certified mail receipt # XXXX XXXX XXXX XXXX XXXX. They replied by sending me what is suppose to be a statement but that amount shows {$350.00} as well as their account number of XXXX. The account number they are reporting is XXXX and they continue to report that number, the amount allegedly owed as {$410.00} and they have not marked the account as in dispute although they received my letter XX/XX/XXXX and update their account with the credit bureaus XX/XX/2019.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX I called National Credit Systems and they do not even own the fraudulent debt but yet they are reporting it as mine on all three credit bureau XXXX 

National Credit Systems made no attempt to validate the debt as mine and sent me to another company. 

The documents that, this other company, sent me did not have my signature on them and they were not complete, as they were missing pages, nor did the provide me any type of identification proving it was mine. 

I demand that this National Credit Systems remove this debt for ALL credit agencies and National Credit Systems has until XXXX XX/XX/2022 to get it done or I shall bill them {$1000.00} per day until this fraudulent debt is removed. Additionally, National Credit Systems or any of it subsidiaries shall NEVER report to any credit report agency ever!!

National Credit Systems can't validate that this debt is mine. National Credit Systems can not even prove that they own the debt and National Credit Systems inappropriately place it on my credit report without the legal right to do so. and it MUST be removed!! 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (AL)

Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Hi, I am a victim of identity theft, and I am requesting that all of the information be removed or blocked immediately. The attached report from identitytheft.gov is included.
Consumer complaint received 2019-03-26
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: U.S. BANCORP (TX)

After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX  XXXX of XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX  XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX  XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX  XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings!

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Experian are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 i was informed that I had insufficient funds in my account, even though I have overdraft protection. Wells Fargo charged me for the OD protection and charged me {$35.00} for each transaction ( there were 2 ). 
When I called to discuss this with Wells Fargo they were only able to reverse a portion of the overdraft fees. They claim that the reason they could not reverse all of them was due to my relationship and history with the bank. I have been a member of Wells Fargo for as long as I can remember and I've never had such problems with them. The economy is terrible right now and every little Penny makes a big difference for those of us who are not wealthy. I think the overdraft fee protection practice should be stopped and Wells Fargo should lower the amount of money that they charge.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AL)

Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF THE WEST (CA)

Since acquiring a Bank of the West Cash Back Credit Card, I've tried to use Bank of the West 's Mobile App and their Online Site directly to pay off my credit card balance ( newly acquired ). However, each attempt gets " timed out '' and its clearly not an issue related to my internet. Thank you for your help in resolving this issue.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I had an American Express XXXX XXXX. XXXX switched to XXXX XXXX. I mistakenly sent a {$310.00} payment to the Amex account instead of the XXXX account on XX/XX/XXXX. My bank shows that the payment was processed. XXXX is telling me I have to work with Amex to find the payment and they are not allowed to contact Amex regarding customer payments. 

I've made several calls to Amex, approximately 6 calls, spoke with at least 20 different reps and spent more than 5 hours since my first call.. The most recent was last week, XX/XX/XXXX with the Amex Corp Office. Finally someone confirmed they received the payment on XX/XX/XXXX for {$310.00} and asked me how I would like it refunded. I said wired back to the account the payment came from. I gave my ckg acct #, and routing # and the rep told me the money would be in the account in 3-5 business days. Today is the 7th business day and there is no money in my account. I made a call today XX/XX/XXXX and spent 45 minutes on the phone with Amex to be  told they could not find the account because they no longer have access to it. They kept referencing my corporate card account and I repeatedly told them that is not the correct account. I was told by XXXX/amex rep I would hear something back in about a week and it should be resolved in 2 weeks. I have 0 confidence this is the case. XXXX told me to call the number on the back of my card and I again had to tell her I don't have the card because it was closed 2 or more years ago. Then she said. Oh! Right. I forgot that. I hung up the phone feeling aggravated and defeated and know that I will spend more of my life on the phone with Amex because I will have to call them back to again try to resolve this issue. I've got {$310.00} of my money floating around Amex and no one is trying to help me get it back when it's been confirmed they received it. What can I do??
Consumer complaint received 2022-06-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX  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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Dept Of EDXXXX Account XXXX XXXX, XXXX XXXXXXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the Fair Credit Reporting Act- XXXX XXXX  XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WI)

In XXXX, we opened Citi Bank accounts for their promotion that said if we transfer {$50000.00} after 90 days they would deposit {$700.00} into our account. The money was deposited on XX/XX/2021. It has been 210 days and numerous calls to Citibank and we still have not received our {$700.00}. They have claimed we did not send back our W9, however we have sent it to them twice. Every time it's a new issue and a reason for not providing us the money from their promotion.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I am writing to provide a complaint that was created on my credit file on behalf of XXXX XXXX, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I  never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by XXXX XXXX. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. XXXX XXXX re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.

Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My employer is having troubles with my background check, so i went looking online for an XXXX, then a malware took me to this site that i can check my credit report for free. so i can verify if my information are really wrong before calling or going to a government offices. while browsing to this site, giving my info even my bank details and ssn. an email from my bank. a transaction was made {$20.00} from that site. and i havent get any info about my credit. i did not know what did i purchased. when im about to cancel my subscription it has no options. i called the hotline they ask me again bout my personal infos. then they will cancel it for the next 2 days. but im worried about my infos. and i read alot in forums that they continue to charge on their account even they cancel their subscription. this happened just now XX/XX/2018 at XXXX the site is TransUnion. another site is XXXX. .. all of them are same scammers! i erased my browsers data trying to erase my info with them but its too late.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.