davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
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: LEXISNEXIS (NC)

XXXX has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XX/XX/XXXX : " The big three credit bureaus XXXX, XXXX and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and  data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. XXXX also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. XXXX is using a third party source ( LEXISNEXIS ) to verify this information. 
Here is the response received from them ; " XXXX has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of Revenue stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet XXXX is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX, XXXX, and Experian. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Consumer complaint received 2017-10-05
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. (PA)

On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MN)

Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Discover Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal. 

Yours Truly XXXX XXXX ( All Rights Reserved )
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MD)

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX Maryland XXXX my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner owns all Car stores XXXX Maryland and Delaware! Cheats people a lot of people complain about the car store! XXXX XXXX salesman and XXXX the manager of that car store cheat people never got to see white sticker! On truck! Signed for truck electronically! A lot of papers for Creditacceptance at car store! sold me a lemon credit acceptance charge me to much money after what I went through for that truck had to go to therepy for my back why I brought it someone hit me and total wrecked my truck that I had brought through Creditacceptance. A XXXX XXXX XXXX paid that off XX/XX/XXXX in good standing they know Creditacceptance! the car store did n't! Brought truck XX/XX/XXXX motor was low on oil next day car store garage put oil in next day power steering started making noise needed power steering hose! They fixed! XX/XX/XXXX truck motor stated making noise carried back to car store garage left there said needed new motor! Said would put one in did n't said was something else later fixed it got truck back XX/XX/XXXX Complained to credit acceptance complaint department they did n't do nothing!! XXXX was investigator in complaint department of Creditacceptance. Her fax number is XXXX paying XXXX XXXX for a lemon a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

Firstly, today I received an email from XXXX XXXX  regarding my XXXX XXXX XXXX stating that my XXXX account would be closed effect XXXX XXXX. However, in my last billing cycle I was billed {$140.00} for an annual fee for which I will not receive any benefits for considering this account will be closed in a few months. The email received makes no mention to returning fees for service not provided. Furthermore, since being billed my annual fee I have not received any benefits as they have sent in past years. 

Secondly, when I first obtained this credit cards a few years back, I was charged for baggage fee while flying on XXXX XXXX which should have been credited back to my account as promised but never done so. I would also like this to be looked into, please. 

And lastly, I purchased a pet carrier from the XXXX XXXX XXXX XXXX check in counter for {$50.00} to transport my dog from XXXX XXXX to XXXX in XXXX XXXX. I also paid {$100.00} to transport her. Upon being on the plane I noticed the handle was defective. I filed an online complaint through XXXX XXXX and they stated that they could not do anything, but instead, would have to take the matter up with the XXXX XXXX counter at which I purchased the carrier. However, I live in Maine, and can not do this.
Consumer complaint received 2021-07-11
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. (CO)

My school loans are all on my report multiple times including closed ones showing as open. They are listed as collections, chargeoffs and most damaging foreclosures. The foreclosures appear as if I have had multiple home foreclosures. I have disputed the errors multiple times every time it seems to just lower my score more I have contacted the us department of education and it seems to get me no where Im now barred from disputing them.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I submitted a dispute letter to Equifax by certified mail on XXXX/XXXX/XXXX XXXX, and it was received by the company on XXXX/XXXX/XXXX at XXXX. My letter of dispute addressed the incorrect addresses listed on my Equifax report along with additional accounts listed. I sent with my letter my picture ID for my current and previous addresses to show that the additional addresses listed do not belong to me. I also sent in other verifying documents of my address such as utility and insurance bills. I called Equifax at XXXX on XXXX/XXXX/XXXX at XXXX to inquire about why I have not received a response to my disputes. I was on the phone for XXXX hour and XXXX minutes. The representative stated that they received my information but the disputes were not investigated. I asked to speak to a XXXX where I was on hold again for over XXXX minutes. The next person who answered stated the same thing, that it was received but that they only updated the spelling of my name and my current address. I asked by they did not send me any correspondence and she said nothing else was investigated and she does not know why. It has been over 60 days now and I still have not received a response.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then Experian refused to provide a credit report based on the Date being today that XXXX rejected my credit application, XXXX/XXXX/XXXX as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by XXXX that I was refused credit and need to pay full price for a cell phone, and Experian instantly refused to provide a report indicating why. Both XXXX and Experian credit reporting agency are at fault here.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (KY)

I went to freecreditreport.com on XXXX/XXXX/2015 to request a free credit report, and they fraudulently signed me up for a monthly service that costs over {$20.00} per month. I called them today ( XXXX/XXXX/2015 ) to tell them that I do n't want this service, or this monthly charge, and they refused to refund my money, saying that it was my fault. I want my money back! please help me resolve this dispute.
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (TX)

in XX/XX/XXXX, Chase bought out my lease with XXXX XXXX. There were multiple communications between me, the branch I went to in order to complete the transaction and the title department at Chase which resulted in me submitting the same paperwork each time. I received no more communication from Chase on the matter after the last paperwork I sent in. In XX/XX/XXXX, I tried to trade in the car only to discover that I wasn't able to because Chase still had not filed the lien on the car. When I called, the title department stated that they never received the title from XXXX. I called XXXX and they advised me of the date and confirmed receipt of the release they sent to Chase. They issued a duplicate in XXXX and I confirmed it was received in XXXX from Chase Customer service. I have called several times since then and have not received any movement on the matter. No one will transfer me to the title department but only say that I'll get a call back in 10 days and no one ever calls me or if they do, they don't leave a message. The last excuse I received from customer service was that they are moving the titles department to another state. There is no excuse for taking nearly three years to title a car. Today I received a XXXX XXXX package from Chase asking me to fill out yet ANOTHER title application and have XXXX sign it. This is not possible for me to do as XXXX has closed my account, released the lien to Chase and has sent duplicate titles. I can't call them because I no longer have an account with them and quite frankly, I'm the one who had to reach out to my connections with them in the first place to get you a duplicate title because you wouldn't. I don't want to continue to do the job that Chase should be doing. I've even reached out to people that I know who work there and we still can't seem to get this sorted out. I work in the auto finance industry and we wouldn't be in business if we did stuff like this. I also know there are ways you can get this done without me having to do all the things you've requested. I have been trying for 8 months now to get this resolved and this is the last resort for me. I did not want to have to complain as I have tried to work with Chase many times and often. This is a last resort. My car is sitting in my garage, taking up space, I don't want to put miles on it and I'm paying on a car I'm not using. I need this fixed today.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies.
Consumer complaint received 2021-07-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CW Financial (NY)

On XX/XX/2021 at XXXX XXXX  I received a call from a woman claiming to be from " Crestwood Management Group '' claiming I owe money from 11 years ago from a payday loan I never took. As she threatened court action, she claimed a bank ( which I currently have an account at ) is claiming I owe money. Clearly at this point I realize it's a scam. She refused to repeat her name and finished off with " I'll see you in court ''. The woman was very well spoken and without an accent, she seemed genuine but I suppose that's part of the trick. I've confirmed I have no debt or owe any loans. Someone could have easily fallen for this.
Consumer complaint received 2017-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, XXXX, all of my student loan and fafsa money was transferred from my account without my consent. I contacted Wells Fargo the minute I received the email saying all my money was gone. They opened up a claim and when I called on XXXX XXXX, XXXX, they informed me that the wrong type of claim was opened but they would open an online claim and it would be resolved within 10 days. My rent is due on XXXX XXXX, XXXX and they sent me to a branch to get a provisional credit. The branch XXXX advised me that I could not get a provisional credig but I could apply for a new student loan. I did not find this very professional as they have caused me to be without money to eat or pay for my necessities.
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE SENT LETTERS CERTIFIED LETTERS WITH RESPONSE A BACK FROM THEM. THE ISSUES AT HAND I HAVE SEEN AND DISPUTED THEY HAVE REFUSED TO REMOVE THE ACCOUNT AS IT IS NOT REPORTING ACCURATELY. DATE OPENED XX/XX/XXXX AND DATE FIRST REPORTED IS XX/XX/XXXX HOW IS THIS EVEN POSSIBLE TO HAVE A LOAN THAT LONG AND THEY REPORT ALMOST 4 YEARS LATER AFTER THE DATE THE ACCOUNT WAS OPENED? THE TERMS AS WELL ARE REPORTING INACCURATELY AT 80 MONTHS NEVER SIGNED A CONTRACT FOR 80 MONTHS ON A LOAN BEFORE. THEN TO REPORT A RECENT PAYMENT OF {$500.00} IS INACCURATE REPORTING ON SANTANDERS BEHALF. SANTANDER CONSUMER USA FOLLOWS THERE OWN RULES AND DO NOT ABIDE BY ( FDCPA ) NOR THE ( FTC )
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (GA)

There is an account listed without full account number and the misspelling of my name. I have contacted both the credit bureau and the reporting companies and sent copy of drivers license and social security card. Letter sent back to me stating investigation complete and remains on my credit report. Companies listed is JC Penny and XXXX XXXX.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX  data breach and could have fallen into the wrong hands.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.