davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XXXX of 2018 we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the birth of our XXXX  child in 4 years ( ages XXXX, XXXX, and XXXX  months ). Our newest child was born on XX/XX/18 XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XXXX and I was on FMLA XXXX leave for the month of XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 

We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new  truck. 

In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request  your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. I have tried calling and speaking with someone at your customer service department but they have been very rude and careless about my situation. 

Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
Consumer complaint received 2023-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC (WI)

I have noticed that I have this account in collections profesional placement XXXX with open balances {$2600.00} reported on XX/XX/XXXX, I never open this account or anything like that. I need the the collection agency to verify the ownership of the account by providing the following information 1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt. 
3Also provide with the master bill of sale
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (NJ)

Recently, I, XXXX XXXX, was denied an extension of credit by Carvana. On XX/XX/2022, I requested an extension of credit. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and 15 U.S Code 1691 ( E ). Carvana has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002.2 4. 15 U.S Code 1691 ( C ) 5. 15 U.S Code 1691 ( E ) Civil Liability Pursuant 1. 15 U.S. Code 1681n 2. 15 U.S. Code 1681o
Consumer complaint received 2022-02-23
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX 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 2017-08-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Data Systems, Inc. (GA)

I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

The lender has failed to postpone the sale date on this file during the review taking place for a loan modification - We were advised the decision will be made on XX/XX/XXXX - this is considered Dual tracking and is a violation of Reg X guidelines - the lender is also not allowing for an appeal period after the decision is made, which is another violation of Reg X. We also have been given incorrect information regarding the file and being serviced transferred as of XX/XX/XXXX which is the current Foreclosure sale date on the property. This review has been on going since the beginning of XX/XX/XXXX with no decision being made - 2 other complaints have been entered regarding this client 's file due to the poor review of this loan and the numerous requests for additional docs that have been satisfied through letter of explanation being submitted regarding the requested information. The reps we speak with also provide incorrect information pertaining to the review and handling of the file.
Consumer complaint received 2022-02-23
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. (SC)

In accordance with the Fair Credit Reporting act Convergent DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX  Account # 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 2021-08-27
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: DISCOVER BANK (CA)

DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX Discover wrongly submitted a HARD INQUIRY to the 3 major Credit Bureaus. 

I contacted them directly, they said they were in error but were not able to issue a Notification of Removal
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

XX/XX/2024 : I have received an email from chime.com informing me that my account is to be opened and a credit card mailed. 
XX/XX/2024 : I was afraid someone may take a control over that account, so I followed instructions and opened the account using my email address and then downloaded the mobile app. The credit card has been mailed to my old address that I moved from more than 10 years ago. 
XX/XX/2024 : Called chime support and was able to close my account. I have received no confirmation who requested the account nor how they know my social security number. 

Whoever opened my account has my name, social security number, address ( although the old one ), and phone.
Consumer complaint received 2022-02-23
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. (AL)

On XXXX XXXX XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX XXXX XXXX & EXPERIAN XXXX
Consumer complaint received 2022-02-23
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. (AL)

On XXXX XXXX XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that XXXX a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2022-02-23
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX2 accounts paid full and closed in XXXX. two previous accounts opened paid in full and closed with the original company. these two accounts are still being reported by transunion on my record. Both accounts have met the 7yr requirement in accordance with the fair credit reporting act. Agency needs to delete accounts from consumer record or provide response on why record its waiting till 10yr mark when its not related to bankruptcy. 
XXXX XXXX current credit card balance and monthly payment are wrong, 60 day delinquency is also wrong. this information is affectively the consumer negatively when being evaluated for banking services XXXX XXXX, account was closed in XXXX paid in full/never late. account has met 7yr requirement to be deleted. agency needs to delete from consumer record or provide reason on why its waiting for 10yr mark when its not related to a bankruptcy XXXX XXXX XXXX XXXX no late payments, monthly payment is {$500.00}. never late XXXX XXXX XXXX. account paid in full and closed. account closed as of XXXX/XXXXXX/XX/XXXX. Consumer requests this record be deleted immediately from the record since 7yr requirement has been met. Agency needs to provide response on why record is waiting for 10yr mark when its unrelated to bankruptcy.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (NY)

In XX/XX/2021 XXXX submitted an application for Direct Loans Consolidation with studentaid.gov. She selected an income driven repayment plan on the application and selected XXXX XXXX as the servicer. XXXX XXXX noted on the application that XXXX would handle the transfer and then send to XXXX XXXX. In XX/XX/2021 XXXX contacted XXXX to request income documentation and she submitted via certified mail. In XXXX her credit report still showed student loans in default so we contacted XXXX at XXXX and spoke to XXXX and she said she was not sure why it had not come over to XXXX XXXX yet and gave us case number XXXX. Told us to check back. In XXXX we checked her credit report again and found the student loans still in default. So we called again and spoke to XXXX ID # XXXX in Default Resolution Group and he said that XXXX had checked the balance of her loans in XX/XX/2021 and then never sent payment for the consolidation and they have sat there ever since.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check in my Wells Fargo checking account on XXXX XXXX. The check came from my checking account at XXXX. After completing the deposit, I received a message from Wells Fargo that XXXX funds would be held for up to 10 days. The funds were withdrawn from my XXXX account on XXXX XXXX. 

There is no reason for Wells Fargo to hold on my money for so long. This will probably trigger some additional overdrawn fees on my account. I was going to pay down my credit card balance. I was going to pay several bills, but this delay to access my funds means more late charges. 

I would like Wells Fargo to release my funds to me immediately.