davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (NY)

Hello, I leased a XXXX XXXX XXXX through XXXX  XXXX on XXXX XXXX, XXXX. I now have 4 payments left on the lease. The car has broken down twice, the first time on XX/XX/XXXX. The car just stops dead with a check engine light on. Both breakdowns occurred on a busy road and the car was almost hit several times. I picked up the car the first time on XXXX XXXX. The car lasted 2 days and broke down again. The car is still at the dealership 2 weeks later. They do not know what is wrong with it, nor is there any communication from the dealership with updates. I have requested that the dealer release me from the remaining lease so I can get another vehicle. I owe only 4 payments and requested waiver of the early termination fee. They will only do so if I purchase or lease another vehicle from them which I will not do because the customer service is nonexistent there. The lease holder, XXXX XXXX offered no assistance. I am expected to continue to make payments on a car that is not usable. When I requested a loaner car I was not assisted and needed to call XXXX XXXX XXXX XXXX to secure a vehicle. I have had to do this twice. I have a rental car bill of {$470.00} to pay for this first car and I am incurring another bill for the second car which is adding up every day. I have lost 2 days off from work because of this also. I need this terminated with no negative effect on my credit rating. The local dealership I used is XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX : XXXX or XXXX. The address I have for XXXX XXXX is XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX Thank you for any help you can provide.
Consumer complaint received 2018-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (FL)

Good day Im a XXXX from XXXX XXXX XXXX XXXX  on XXXX, Florida i send Money ( XXXX XXXX ) from XXXX XXXX XXXX XXXX on XX/XX/2018 with an Oder No. XXXX after i send the money for an online transaction i recieved a confirmation from ria financial services that my money was delivered for my recipent bank account but after how maney days the money does not yet came to his account but it was deducted on my XXXX bank XXXX XXXX XXXX account here in US i try to email ria finacial services but still they have no reply on my messages but as per my recipient bank XXXX cancel the transaction but they didn't return the money on my XXXX bank account..
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX in XXXX ha but getting a call from California the very next day being threatened
Consumer complaint received 2018-08-20
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. (KY)

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was XXXX and XXXX bank
Consumer complaint received 2018-08-20
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: AES/PHEAA (KY)

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX bank
Consumer complaint received 2018-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

I purchased {$120.00} worth of Bitcoin from Coinbase.com on XX/XX/18. After the purchase they notified me that they would be accepting my purchase and taking my money immediately but withholding the Bitcoin indefinitely. I called them up minutes later on the day of the attempted transaction and tried to cancel it, but they refused. I have contacted them pretty much every day between XX/XX/18 and today ( XX/XX/18 ) asking for them to either refund my money or give me the Bitcoin I purchased and they have still refused to do so. No one would ever purchase an investment at its current market value but not take ownership until an unspecified time of the brokers choosing, I know I would never agree to that and have not agreed to in this situation. But that is how Coinbase.com insists they do business. I still have neither my money or the cryptocurrency I paid for.
Consumer complaint received 2022-07-08
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: Affirm Holdings, Inc (FL)

In accordance with the Fair Credit Reporting act AFFIRM INC 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
Consumer complaint received 2022-03-09
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-20
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: AES/PHEAA (KY)

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX XXXX
Consumer complaint received 2021-12-04
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. (NJ)

My Experian credit Score rating was XXXX until XX/XX/XXXX, for no reason at all, on XX/XX/XXXX Experian dropped it to XXXX ( XXXX rating dropped ) here, I wnt to page, I checked, I dont have any wrong mistakes and I pay attention to my credit 1 day later, in XXXX Experian took it up XXXX points and made XXXX I would like to know why my score rating was exasmined and XXXX Score drops that Experian had suddenly made were corrected if not corrected I see error here I ask them the reason in their writings that come to me, and they sent the list below that will cause negativity. 
There is no negativity from any of these written in my tiles they can't tell me that your score is low for water or this reason, it was a big mistake I follow Experian, of which I am a member, every day to fix my own tile, I have never made a mistake. 
Please, I want them to do research for my lost Score and say if it's really not a bug, for the following reason, it's my fault, they have a XXXX. I want their fixes to be investigated.
Consumer complaint received 2022-03-09
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. (MI)

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX card that gave me an unsecured card and increased my limit three times in one year. Why does XXXX XXXX  refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.
Consumer complaint received 2018-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I WAS LOOKING OVER MY CREDIT REPORT AND SAW WERE THERE WAS SOME THING I DIDN'T DO XXXX XXXX XXXX, WV XXXX XXXX XXXX, MS a few times XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX, TX XXXX Few times XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, TX XXXX few times
Consumer complaint received 2018-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (NY)

The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX  ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX   to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

I have financed the car with MERCEDES BENZ FINANCIAL SVCS. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

XXXX XXXX CT IL XXXX # XXXX has violated my rights. 

XXXX5 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-06-17
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. (NV)

iaccordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AL)

I sent convergent a debt validation letter on Date : XX/XX/2018 Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX ( letter attached ) for an account listed on my credit report. I received a letter on XX/XX/2018 ( letter attached ) with no attached contract, mutual agreement, or anything that validate the debt they say I owe them.On XX/XX/2018 ( letter attached ) they sent another notice out saying this debt is valid and attached is verification of the debt which they did not provide debt validation.They attached a service agreement that do not have convergent name on it at all.According to Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I requested validation made pursuant to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws. I requested validation that is competent evidence bearing my signature, showing that i have or ever had some contractual obligation to pay them. They is in violation of fair debt collection practices act ( including but not limited to section 807-8 ) and violation of the fair debt collection practice act ( including but not limited to section 623-b ) The legal definition of verification which requires a sworn testimony under penalty of perjury in other words and affidavit, false affidavits is violation of fdcpa. They totally ignored my request and need to delete this information off my credit report.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Ballybunion Enterprises, Inc (NV)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-09-12
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. (CA)

I'm a victim of identity theft and just found out that a company named XXXX XXXX XXXX has been reporting this account on my credit that i never authorized. I have never given permission for them to obtain my personal information like my social security number or personal address. I have stated this to TransUnion on XX/XX/2020. I have sent them my valid FTC report as well as police report to support my request.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

My account was with BBVA and now I am told is moved to PNC. I have followed all the directions and tried calling PNC unsuccessfully on multiple occasions- their hold times are ridiculous ( 45 min without anyone answering ). I am trying to setup online banking and the information PNC has sent to me as well as the debit card number wont allow me to setup an online account. When I try calling I can not get any human to answer - it is infuriating that all during the hold times the automated message keeps reminding me that I should try their online banking for faster service. I need help from a human and have no more time to continue calling and holding ( one of the times I called and held for almost a half hour only to have the call disconnected ). What more do I need to do???
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

My mortgage loan with Bank of America was first a fha loan now it is a conventional loan which I have not signed any documents changing my loan or spouse. I have request for information on changes to my mortgage loan and I have been getting the no response! Bank of America Mortgage has in copy & past signatures before robot signatures me and spouse.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I got a Chase Freedom Credit Card a few months ago and on XX/XX/XXXX Chase decided to close my account. I usually make a minimum payment and I still have the year promotion to pay off the credit card and it will end in XX/XX/XXXX. So, I was not worry about that to much as long as I did my payments on time. I've never done a late payment before so I was surprised when I got my account closed. On XX/XX/XXXX I did a payment of {$1000.00} to lower my amount. I have always been in good standing with my credit and I don't want this closed account to hurt me in any way because I want to always have good credit especially that I have been working hard to have good standing credit.
Consumer complaint received 2018-08-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX  XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

XXXX has attempted to collect on a delinquent charge for a line of service that was never activated. In XXXX, I ordered XXXX service, however, XXXX failed to deliver the necessary equipment. I called XXXX to discuss the issue. XXXX understood their mistake and closed the account. No equipment was delivered, no line of service activated. XXXX began sending inconsistent billing statements ranging from {$0.00} to {$720.00}, and back to {$0.00}. Each time I called to discuss that this account was closed/never activated. Each call resulted in promises that this problem had been resolved and would demand no further action from me. I made more than six of these calls. Then, I received a delinquent payment strike on my credit reports. I disputed the items with XXXX and XXXX and filed a claim with the FCC. I have been transferred now four times with XXXX trying to contact them about the problem as well, no one will take responsibility or discuss the matter. Please note the dates on the statements below. XXXX is participated in fraudulent business practices.