davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CT)

Last lease payment was due XX/XX/XXXX. Payment was made XX/XX/XXXX. Chrysler Capital website later noted new payment due XX/XX/XXXX. Payment was made. Confirmed with Chrysler Capital that this was now the last payment due. Chrysler Capital website now notes payment due XX/XX/XXXX and account is past due. Chrysler Capital continues to note that payments are due despite lease ending XX/XX/XXXX. Chrysler Capital has not processed a refund for {$410.00} payment made XX/XX/XXXX. I called XX/XX/XXXX to clarify what was going on. Chrysler Capital agent confirmed that last payment was due XX/XX/XXXX and that is just the way the website works that it defaults to payment requests every month even if nothing is due. I noted that the fact that it shows as past due with a new payment due when actually paid in full is predatory. In addition, Chrysler Capital has held onto the XX/XX/XXXX overpayment after telling me it was due over the phone and noted by the website and seems to have no checks/reviews in place to refund overpayments until a customer calls to complain. On XX/XX/XXXX call, Chrysler Capital agent noted that now that I had complained, a refund would be processed and it would take 60 days subsequent to review of the account. So 90 days they will have held onto a payment they noted was due that actually wasn't before refunding the money. This is a predatory practice.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo allowed an unauthorized XXXX transaction to be made from my checking account in the amount of {$3500.00}. I contacted Wells Fargo as soon as I discovered the fraudulent transaction. I learned around one month later when calling back that this first associate at Wells Fargo did not even report the claim to the fraud department. I was then told that the transaction was authorized and they would not be refunding my money. I never made this transaction or authorized it AT ALL! I am out of {$3500.00} due to Wells Fargo 's negligence and lack of security. They provided zero help for a security breach on their end and it is unacceptable.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (FL)

I attempted eight times to communicate with Square , Inc regarding my merchant account which a significant of money was stolen from, via email, and repeatedly get asked to provide information and told I would be contacted in 24 hours however, that never happens. I am not allowed to contact them via phone as I lack a code needed because I have no access to the account, my debit card has NO phone number on it. My fraud issue has been ignored and the person ( s ) who compromised and took my business account ordered his/her own card for this account and it is believed that thousands have been taken without any assistance from Square. 

I am the owner of XXXX XXXX XXXX On or about XX/XX/2021 this account was compromised, the user and passwords changed, and an additional card ordered or requested. To date, 7 months later, I am unable to still even see what has transpired on the account. My phone number was stolen first, and as such any verifications were being viewed and changed by the person who stole the phone number and subsequent email.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.
Consumer complaint received 2022-09-28
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-28
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

XXXX XXXX In the amount of {$3500.00} a unauthorized charge was made to my card that I wasnt aware of until I got the statement, discovered said they would look into it be never got back to me and its been a fraudulent act
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

Recently I decided to take advantage of my low Income Based Repayment Plan rate and bring my loans out of deferrment to start making payments as these are qualified payments towards my PSLF. XXXX  was my servicer at the time and I made a payment to XXXX who then transferred my loans to FedLoan.

I noticed that the debit for monthly payments had stopped coming out of my bank and that FedLoan wasnt tracking me as paying and so I sent several emails inquiring about this issue which received no response. 

I then called and was placed on indefinite hold several times. When I finally reached someone, I was informed that my loans had gone back into deferrment, I would need to submit a new request to FedLoan, and that I have now missed out on 5 months of qualifying payments towards XXXX 

How can this company just arbitrarily make changes to my loan payment agreement without my consent or put my loans into deferrment which I had brought out by request? Now I have missed 5 qualifying payments which means 5 additional months of payments and potentially thousands more dollars depending on my next XXXX amount. This is basically theft
Consumer complaint received 2021-05-18
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX of 2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( SANTANDER consumer USA ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal Closed My Account For No Reason And Will Not Help Me With Getting It Back. I'm Not Sure If This Is Some Mistake As I Assume It Has To Be. 
I wanted to withdraw my PayPal balance, so i went to the PayPal app, i login and wanted to withdraw my available balance from my PayPal app. I receive an error message that PayPal app isn't functioning for now that i should go my site browser to login my PayPal account. I went to site browser, i couldn't login, immediately i received a message from PayPal that i should change my password that they spotted something unusual, immediately i reset my password and login my PayPal account, then after 12min i received a message from PayPal that my account has been permanently Limited, and i can no longer use PayPal XXXX 
I feel this isn't fair at all that my account got Permanently Limited just because i login PayPal from my PayPal app. 
This Is Really Going To Affect Me a Great Deal As PayPal Is My Only Means Of Receiving Payment For My Business. My Email Link To My PayPal Is XXXX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (TN)

I have medical collection accounts that have been turned over to LJ Ross Associates in XX/XX/XXXX. I sent then a certified letter onXX/XX/XXXX to stop all communication with me and that I dispute this debt. 

LJ Ross has since reported the collections to XX/XX/XXXX on XX/XX/XXXX in the amount of {$1300.00}. 

1- they reported seven different amounts instead of one total amount equaling {$1300.00} 2- they Illegally re-aged the collection by continuing to flag my account every week since XX/XX/XXXX. They have flagged my account on XX/XX/XXXX and XXXX XXXX. 

This is effecting my credit score and credit worthiness. 
How do I stop them from continuing to flag my collection account?
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WI)

received a letter on XX/XX/2021 stating I have XXXX debt of {$1400.00} issuing company and addresses listed on letter : JEFFERSON CARITAL SYSEMS, LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX also XXXX XXXX  XXXX XXXX, NC XXXX also XXXX XXXX XXXX, XXXX XXXX, MN XXXX Website : XXXX Phone : XXXX the only action I took was filing this complaint
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (NY)

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX  Inquiry Date..MXX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX   XXXX/XXXX & XXXX Inquiry Date..XX/XX/XXXX XXXX   XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX7 XXXX  XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX  XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX Inquiry Date..XX/XX/XXXX
Consumer complaint received 2022-01-28
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-03-08
Product: Credit reporting 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. (TN)

I checked my XXXX XXXX and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

In XX/XX/2015 I went to see my primary physician who was set to retire. According to the collection agency I owe for the visits but have a letter from my insurance provider it was paid to the hospital. During this time I was also made aware all my sensitive information was hacked from XXXX including my social and medical records. The doctor I saw no longer works for XXXX XXXX which I believe is making this problem harder to solve. 

Over the last 3 weeks I have called the collection agency and sent them documents with no response. Orginally I called in saying I had proof of paymeny and they didnt want to except it. I had to ask for a supervisor and get a run around before a WRONG EMAIL was given to me. I had to call back go through the same hassle and ended up with still no response from them.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Greenlink Financial, LLC (VA)

I received a email firm loan offer to consolidate my credit card debt into 1 loan from Greenlink Funding. I called and they ran the numbers, said I didn't qualify for their loans but they could do a debt restructure. They explained that to make this happen, I had to default on my credit cards, quit paying them for 2-3 months, to make the creditors more inclined to agree to the reduced repayment plan. I pay my bills and told them no thanks. Because they pulled a credit check for their " fake loan offer '', they lowered my credit score, which hurts me when dealing with legit loan companies. 
Here is an email they sent me when I called about the defaulting they were telling me to do and how it affects my credit. 

XXXX XXXX <XXXX> Fri, XX/XX/2018, XXXX XXXX to me For compliance purposes, I have to tell you 3-6 months. But they typically settle at the 3rd or 4th month. It all comes down to timing with the banks. 

They should be stopped and not allowed to operate, as they are driving up defaulting numbers and hurting consumers who actually pay their bills, but wanted help to get out from under by consolidating to 1 payment.
Consumer complaint received 2022-09-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX