davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

My vehicle was repossessed by XXXX XXXX XX/XX/XXXX a XXXX XXXX XXXX XXXX and it was the same day the company sent the Notice to Cure and the law states that I have 20 days to reply to that notice but I never received a notice and my car was repossessed that day. I called the company on XX/XX/XXXX at XXXX PST when I noticed that I was being billed twice and my due dates for my car note was suppose to be on the XXXX of each month. The representative hung up on me when she was trying to get ahold of a " manager '' after being on hold for 30 mins when I could clearly hear her in the background typing and listening to music. This company has a class action law suit against them for taking advantage of consumers like myself. Please help me.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Our mortgage was with Ocwen during foreclosure proceedings it was sold/merged with PHH Mortgage. We were able to work out a trial modification agreement with PHH Mortgage for the months of XXXX/XXXX/XXXX  2019. We completed those payments and waited for approval for the final modification. We additionally made XXXX and XXXX payments as well. We were informed of approval for final modification, signed and returned to PHH as they required. During the time of XXXX & XXXX we had tried to access our account online with great difficulty, eventually PHH system was working and we reviewed our information which was incorrect. We sent several emails through the " contact us '' email on their site. In addition, the website would not allow us to make payments online stating we were " past due '' owing XXXX & XXXX payments and to contact customer service. Each time we emailed informing them that our account information was incorrect and needed to be updated with payments amount, payments made and to allow us to make payments online. Slowly, some of the information was updated however, a majority continues to be incorrect. At this time, we are reviewing our credit report information as well which PHH has not corrected their reporting of our current situation even after disputing it with the credit bureau. PHH has our online account indicating we are over 40 days late, yet shows our XXXX payment received. The modification agreement indicates our new monthly payment is {$1000.00} however, PHH continues to list our payment as {$1400.00} and reporting that same wrong information to the credit bureau. Again, more incorrect information. Furthermore, the credit bureau is reporting late payments for XXXX/XXXX/XXXX/XXXX  which all were previously made as per the trial modification. Had these payments not been made we would not have been offered the final modification. Since the modification has been granted and completed the loan is no longer past due those months. This same information needs to be corrected with all credit bureaus as well.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3.. XXXX  Account Number : XXXX 4.. XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (AZ)

I received a derogatory mark on my credit report in XX/XX/2021. The debt collector Paramount Recovery Systems is claiming that I owe medical debt from XX/XX/2021. I have never received a bill or phone calls from either the debt collector or the company claiming I used medical services. The information in the report is not accurate and not mine.
Consumer complaint received 2019-09-24
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: CITIBANK, N.A. (SC)

I called XXXX XXXX XXXX  to try to fix the problem and they have looked into it and found out the location of where the account was open and that it wasn't my self that that open the account due to inaccuracies.I assumed it was cleared off my credit report obviously it has not been removed. The date i notice it appeared on my credit report was friday XX/XX/XXXX XXXX very next day which was saturday XX/XX/2019 i put fraud protection and freezing on the 3 credit bureau .
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inaccurate information that is reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2022 @ XXXX - I received an email stating that a Capital One 360 Checking and Savings account had been opened in my name. I also received emails stating the my phone number and email address had changed on the account. I did not authorize the opening of these accounts. 
XX/XX/2022 @ XXXX - I called Capital One to close the accounts. They assisted with the closure of the accounts but could not give me any additional information about the phone number or addresses provided on the account. They also mentioned that they would send a letter to the address on file stating the accounts were closed. I did not provide them an address so they most likely had the fraudsters address. 
XX/XX/2022 @ XXXX - I called Capital One to confirm closure of the accounts. I provided personal information and they were unable to confirm and said I needed to leave a message with the case review team. 

At this point I am very concerned that the accounts may still be open with Capital One and that other accounts might be trying to be opened in my name at other institutions. Please let me know my next steps to protect my identity. 

Thanks.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Someone used my XXXX 's Capital One credit card number to purchase e-gift cards online over 2 days totaling {$1200.00}. They used my daughters maiden name as who it was being sent to. They created a whole new fake email account with my name to have the gift cards sent. I have disputed the charges 2 time and they said it was determined to be a " domestic situation ''. I have asked for them to send me proof of where the e-gift cards were spent and they have provided me with nothing. The last disputed letter said " After verification with the merchant ( s ) in question, we determined that the merchandise was delivered to your home address. '' I have received nothing by email or mail to my " home address ''. I refuse to pay for something I did not receive or order. It frightens me that someone has gotten access to not only my card number but my daughters identity. Capital One has not been receptive to solving this problem any further. If they looked at my purchase history, they would see that I hadn't used this card in years and have never purchased e-gift cards.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (WA)

I left North Carolina after my lease was done. I paid all my electric dues and gas company XXXX keeps telling I owe them money since I did not close the account. I asked them before I left that I will pay my last bill which I did. I left the country and came back they said I was not home to be there at my apartment so they did a soft close. It was not my problem anymore I called the apartment building and said to them XXXX XXXX was trying to close the account this was my second time letting them know I am no longer there my lease is done and I left the country. Now they keep sending me email that I owe this {$10.00} for the month I was not even residing in XXXX. After I asked them to fix this they still did not do anything. I paid all my utility bill up to date when I was living there in XXXX. I do not think this is my fault nor I was not there living for those days in XXXX. They still ask me to pay after I already paid and asked them my final bill after I left the country.
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 status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

On XX/XX/2021, I paid my monthly car payment to Lexus Financial Services via their app as I have every month - using the same bank account - as I always have. On XX/XX/2021, my credit monitoring services started alerting me to delinquent account from Lexus Financial Services. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, Lexus Financial Services never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. Lexus acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to Lexus Financial Services indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX : XXXX # XXXX XXXX, XXXX XXXX XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with Equifax, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service XXXX on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (TX)

Switched cell phone companies from XXXX XXXX XXXX to the sister company XXXX XXXX. When I switched Phone calls to XXXX  XXXX and XXXX XXXX XXXX were recorded for when XXXX XXXX XXXX again acted in deceptive manors similar to the actions of XX/XX/2016 by using deceptive trade practice acts, to encourage buying one phone and receiving the second free. XXXX XXXX General Counsel of XXXX XXXX XXXX admitted XXXX XXXX XXXX owed {$520.00} from the deceptive training they use to get extra sells. When I was switching from AT & T I knew such actions were to be aware of there for I covered my bases of which I can prove the statements made. XXXX XXXX XXXX has instigated this attempt to collect money that was not owed account XXXX XXXX XXXX is using this tactic to get even with their loss from XX/XX/2016.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WY)

I checked my credit report to see an XXXX XXXX XXXX reporting inaccurately for XXXX XXXX. My XXXX XXXX account is current and open, not delinquent and in collections.
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: Medical Data Systems, Inc. (GA)

I have disputed with Medical Data Systems. I have asked them to REMOVE the accounts they have on my credit file because LEGALLY they do not have the right to collect on them. 

I received a letter from MEDICAL DATA SYSTEMS saying they no longer have ownership of these accounts, yet they are still reporting on my credit file. 

I have attached a copy of the credit report where they are shown to be reporting, as well as the letter they sent me saying they no longer own the account. 

I WANT THESE ACCOUNTS FOR MEDICAL DATA SYSTEMS DELETED FROM MY CREDIT FILE IMMEDIATELY! 

I AM PREPARED TO CONTACT THE ATTORNEY GENERAL IS NEEDED AS WELL AS TAKE THIS COMPANY TO COURT BY FILING A LAWSUIT TO SUE FOR THE ILLEGAL PRACTICES THAT INVOLVE MY NAME AND SOCIAL SECURITY NUMBER.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WI)

American Express is trying to make me pay XXXX XXXX  Bills. I used to work for the company but no longer do. Their corporate card is charging me interest and delinquency charges on some debt that XXXX will not disclose to me. I only used the card for XXXX work expenses. the purchases are not even mine. Now XXXX and American Express wants me to pay for XXXX purchases. I left the company XX/XX/XXXX.
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-03-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (TX)

I went to XXXX XXXX. I took out federal loans. When I got out of school consolidated the federal loans. I kept getting a bill from Sallie Mae. I called them and asked them why and they told me the bill was for my private loans. I never signed any agreement for private loans. I refused to pay on them. They kept telling me they had a truth in lending agreement for the private loans but never produced one. It was XXXX loans in all. The only thing I signed was an application for the federal loans. I was told by a lawyer that these private loans are not legal without a contract. At one point a Sallie Mae collector told me that it was a verbal agreement that the private loans were taken out on. I can not afford a lawyer to get rid of these loans and they are keeping my credit down.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
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: JPMORGAN CHASE & CO. (MO)

We moved from XXXX XXXX XXXX and contacted Chase Auto finance to start the title transfer and registration process in XXXX. We started in XXXX to ensure that the vehicle was legally registered prior to the tab expiration XX/XX/23. We have reached out to Chase Auto, Chase corporate and Chase Consumer Resolution team for the appropriate documentation. We have received documentation XXXX times that is incorrect / missing or not completely filled out by Chase and now the vehicle plates are expired. In MO your vehicle can be immediately impounded if you are pulled over with expired plates. I need my car to get to work. We need help. We continue to pay on the vehicle that we are risking being towed and impounded.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a secured card with XXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX I am also submitting an investigation for XXXX XXXX XXXXXXXX you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX XXXX XXXXXXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.