davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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: FIFTH THIRD FINANCIAL CORPORATION (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : FIFTH THIRD Date of inquiry XX/XX/2021
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Previous complaint ( Case # XXXX ) remains unresolved but closed without allowing us to rebuttal. 

Re : Missing {$1500.00} Credit Payment ( 3 Attachments ). 

Obviously, Citi Card still did NOT do their investigation again! I have made it clear on multiple occasions that there were FOUR {$1500.00} payments made to Citi Card as reflected on my bank statements, but, only THREE were credited to my Citi Card. This is because the Conditional Credit of {$1500.00} issued on XXXX was reversed. 
How many times do I have to tell them FOUR {$1500.00} payments to my Citi card do not equal three {$1500.00} credits??? Citi Card did not do any work except focusing on one date which is XX/XX/XXXX, but the MISSING CREDIT is the XX/XX/XXXX payment of {$1500.00}, it was deducted from my wifes XXXX bank account ( ending in XXXX ), the bank statement is attached, I even marked a Question Mark? next to that payment made on XX/XX/2019, please actually read what we wrote this time, please! Unacceptable response from Citi Card!!! We are tired of spending hours and hours on each phone call with Citi Card to only have to start all over explaining as nobody investigated the file ; last time we sent them a 5-page Fax, but no one read them. We really need to be compensated for the extensive hours on this case. And today, I have called the Executive Response Unit of Citi Card at least three times after seeing the response letter, but no answer, no returned calls. 
I am attaching a detailed documentation again in a more simple form hoping someone smart enough to understand. We spent 5 hours alone on this updated detailed sheet ( please see attachment " Citi Card Payments Checklist XXXX '' ). After this, it's lawsuit time!!!!!!!!
Consumer complaint received 2022-10-12
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. (CA)

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Consumer complaint received 2022-05-20
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: Affirm Holdings, Inc (CA)

Ive been in contact with affirm for months stating there was a purchase on the account made without my authorization. On XX/XX/22 I received a notification stating that a bill was due totally {$1600.00}. They will not freeze the account and my credit is taking a toll. There was information stating the order was delivered to Delaware where I am not a resident. Ive talk with supervisors that have no authority and changing the balance amount or have helped me to resolve this case. They state that actions go through a fraudulent team which we can not contact. They will not give us any evidence to justify there decision. Im deeply distressed for I cant resolve this issue and can receive no help even after the fact they state If fraud occurs on your account, youre protected. We investigate claims of unauthorized activity, and will make sure youre not held responsible for any purchases we find are not authorized.
Consumer complaint received 2021-11-13
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: NAVY FEDERAL CREDIT UNION (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : NAVY FCU Date of inquiry XX/XX/2021
Consumer complaint received 2023-06-22
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. (AZ)

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 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 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander Consumer USA was open on XXXX as a auto loan.This account was paid a agree and I dont know why this account is late as show in the attachment ... ... This is a mistake that Santander Consumer must to modify in my credit report... on XXXX, XXXX and XXXX formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (SC)

On XX/XX/2024 applied for auto loan with Carvana was pre-approved and given terms loan amount, term, rate and payment along with lienholder information. 

Was told that I had to place insurance on vehicle before loan could be processed even though I was not taking delivery until XX/XX/2024 I paid the required insurance premium and forwarded the required documents to Carvana to proceed. 

Also paid a non-refundable shipping fee of {$690.00} which was debited from my bank account. 

On XX/XX/2024 was informed that the loan was declined and could not move forward and shipping fee was non-refundable even though the vehicle was not shipped. 

My issue is I was misled on a pre-approval and charged an upfront shipping charge and have been informed that it is non-refundable.
Consumer complaint received 2021-11-13
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. (MD)

I submitted a dispute with Experian for the company XXXX XXXX. They received the dispute on XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : If you file a dispute to correct what you believe is an inaccuracy on your credit report, the credit bureau you notify must complete an investigation within 30 days ( or 45 days in certain circumstances ), according to the U.S. Fair Credit Reporting Act.
Consumer complaint received 2017-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report
Consumer complaint received 2022-12-16
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. (MD)

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

After more than a year of unemployment, I got my first paycheck. I used the chase mobile deposit features on my app because I needed the funds made available as soon as possible. When I called customer service, they assured me that the funds would be available the next day no later than XXXX XXXX. after being put on hold three hours wait with their " hold department '' ( XXXX ), they won't release my funds or let me cash my paycheck somewhere else. I need these funds for transportation to my next shift as well as to live. JP Morgan Chase is refusing to give me my salary, and it is ridiculous because i don't work for a mom-and-pop shop I work for an XXXX XXXX XXXX the funds are guaranteed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian Credit reporting agency has continually allowed XXXX different creditors : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX to report inaccurate information to my credit file. I have submitted numerous disputes with supporting documentation every month since XXXX of XXXX. This company has failed to correct my credit report and update accurate information. They have continually violated my rights under the Fair Credit Reporting Act. As such I have been denied home ownership, financing, credit and other essentials that should be afforded to every XXXX. They have never made an effort to correct or remove this information based on the discrepancies that are clearly and unfairly reported thus breaking the law.
Consumer complaint received 2021-11-13
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: Santander Consumer USA Holdings Inc. (FL)

I purchased a XXXX XXXX XXXX just over 6 years ago. I made 72 payments on time and then, in XXXX last year I traded the vehicle in at XXXX XXXX Florida. Subsequently, I received notice in XX/XX/XXXX that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at XXXX and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months ( 6 years of on-time payments ), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and XXXX, and then after hiring XXXX XXXX to submit our case, Santander has yet to remove the 30 day late. I'm an iXXXX and my credit is imperative. My next step is to file a law suit against Santander and I may be able to pursue damages. Santander is liable and they have a duty to acknowledge the auto dealerships admission of providing the late payment. If you can't get this done please obtain the contact name and address for service of process regarding this matter. I can provide the documents if you need them. Thank You, XXXX XXXX
Consumer complaint received 2022-07-21
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. (FL)

I have two addresses on my credit report that I do not recognize. I have never lived at these two addresses. 

They are : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like these addresses removed from my credit report. I have never lived at these addresses.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My social security number XXXX on my experian credit report theirs is negative item from XXXX XXXX the balance is XXXX the account is a fraud account please have experian remove the account in 24 hours I have a federal trade commission identity theft report on file normally they will remove the negative item also I have 3 hard inquiries that are fraud please have experian remove them from my report
Consumer complaint received 2022-05-20
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. (SC)

XX/XX/XXXX, Experian -- Today XX/XX/XXXX I talked to XXXX XXXX also know as XXXX XXXX | Restoration Specialist | XXXX, a part of Experian XXXX Experian XXXX XXXX XXXX XXXX XXXX Ext. XXXX -- I notified XXXX about the XXXX XXXX XXXX  identity theft. She advised me of the reinvestigation that will take place. I also emailed her the documents that are attched to this compliant as proof that I was residing at my present address when the identity theft took place. XXXX XXXX XXXX  sent me a letter asking for proof of address when the identity theft took place in XX/XX/XXXX. I attached my XXXX, XXXX and XX/XX/XXXX as proof of location.
Consumer complaint received 2019-11-21
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. (FL)

I previously submitted a dispute for XXXX on my Experian report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. Experian refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX   XXXX  XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
Consumer complaint received 2016-11-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Guidiville Indian Rancheria (OH)

i am receiving threating calls from a company called XXXX the person contacting me name is ( XXXX ) he is stating that XXXX is trying to press criminal charges on me if i dont pay back this payday loan and they are coming to my job and house to summit paper for me to go to court and go to jail. there phone number they keep calling from ( XXXX )
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

I have two credit cards with AspireCredit Card issued by XXXX XXXX XXXX XXXX. I always paid them on time especially one that I have had for a while. Back in XXXX, XXXX, my brother passed and I lost my job. I was able to make payments on XX/XX/XXXX to both cards. I was denied unemployment and could not make payments due in XX/XX/XXXX. I received one call only about what I owed and explained the situation I was in and why I was not paying but had a great history with paying. The last payment was made in XX/XX/XXXX. It was not the full amount but I tried my best. Today, I tried to go to Aspire 's website and it stated this email/password could not be found. I called and was informed that both accounts are closed. I was told by XXXX that I was sent emails informing of such action being made. I searched my email and there were no notices at all. I requested to speak to a supervisor. The supervisor stated as the accounts are closed there is nothing she can do. I will have to pay the full amount on both cards and then reapply. I told her I couldn't pay before and that I was going to start today and if I couldn't pay the minimum that has accumulated late fees, how am I to pay {$1400.00} plus now, knowing that I will be denied as well when I reapply for missing payments now and accounts being closed. She stated that they sent me a letter through the mail when I told her I never received an email regarding the potential closure. I informed her that the only thing I did receive was a statement to pay, as I get every month, and that there was a notice on the front of the statement my account was closed to new transactions and the terms of your cardholder agreement still apply and to see the agreement for more details. I explained to her that I do not have the agreement as I don't have it as I have been with them for so long and never had issues with payment before. I told her that although it may be in the agreement that I should have received even on the notice that they were going to close the account by a certain date as other credit cards have done. I feel that this is an injustice, especially with my positive payment history and my hardship were not taken into consideration. Thank you for your time.