davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

Yesterday, XX/XX/XXXX, when I was getting ready to go home after work, I couldnt locate my vehicle. I started to panic. There arent any notice or anything. So I called the sheriff. Turns out, it was towed by the finance company I loaned the car from. I am 6 months XXXX, with a very complicated XXXX, and I have no car to get home. I was stranded and didnt know what to do. I was asked to call the company, someone answered and told me to call back at XXXX the next day. So I did. I was given XXXX different numbers to call, one after the other. Finally it was confirmed that it was repossessed. 
I was struggling to make payments ever since the pandemic so I requested for extension which they granted. But i still cant pay back that balance. I was still making one payment after the other. Anyway, I called and talked to the lady. I explained to her that I need to retrieve some important items in my car which is my presciption medicine. She said my appointment is not til Friday morning. Its only Wednesday. Shes expecting my XXXX XXXX to settle down on its own until then? This is so inconsiderate. I know I owe money and I am willing to pay, but this is against human rights.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
Consumer complaint received 2020-01-23
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: CREDIT ACCEPTANCE CORPORATION (DE)

This complaint is about a company called credit acceptance I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the credit acceptance people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. Credit acceptance just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me XXXX XXXX interest as a resident of XXXX  when you can only charge someone XXXX XXXX   above prime for used car loans in XXXX. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (VA)

I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX SXXXX XXXXXXXX Balance Owed : {$150.00} ; XXXXXXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX.
Consumer complaint received 2019-10-23
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. (TX)

The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}
Consumer complaint received 2017-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MO)

I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO, on XX/XX/XXXX. At the time of purchase, the finance officer, XXXX XXXX, told me that because of my credit score, the bank they were working with would only lend me the money if I took out a {$3000.00}  insurance policy to insure my payments. I did not want insurance, but the finance manger told me I could not get the car without it. The total price of the car including all the fees and insurance was {$24000.00} and I gave them a {$7000.00} cashier 's check as a down payment. My monthly car payments are through Wells Fargo Dealer Services for 72 months at {$270.00} a month. I have this taken directly from my checking account each month, and I have never been late on a payment. <P/>I recently found out through my son, who is a XXXX, that the practice of obtaining a loan on the purchase of additional insurance is illegal ( FDIC Law, Part 343 - Consumer Protection is sales of insurance Sec. 343.10 and 343.30 ). I have been trying to contact the car dealership since XX/XX/XXXX, with unsatisfactory results. I have sent numerous emails and made several phone calls and left numerous messages, the latest being XX/XX/XXXX. I have spoken with the finance manager twice, and each time he informed me he would get back with me after he spoke with his general manager. I have not heard back from them. I would like for them to cancel the policy and refund my {$3000.00} plus all the high interest I have been paying on it. <P/>I am providing the dealership information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX General Manager : XXXX XXXX Sales Manager : XXXX XXXX Finance Manager : XXXX XXXX
Consumer complaint received 2017-06-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I was put on a plan many times and the pricing monthly always changed. Then I would call and say I am making my monthly payments but getting a bill asking for late pays. They put me on some kind of stop payment because I had a baby and was not working much but it seems like my loans keep rising. I can never pay them down. Then they took my taxes two years ago because of payments but I was making payments. Talking to these people is difficult and pointless and my credit is ruined. I just wanted reasonable payment options. Also I enrolled in a school called XXXX. I did not end up attending. I went to the orientation and could not do the hours for the school but was still charged all the loans and never took one class.
Consumer complaint received 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

Original creditor   XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , KS  XXXX  ), is reported on my credit report on all  XXXX  bureaus as a collection debt. This debt was paid on  XX/XX/2014    for  XXXX  to a debt collector  ( Ad Astra Recovery Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , KS  XXXX  ).  Ad Astra b ought the debt from   XXXX   XXXX  . I want this debt to be removed. They show inconsistent data across all  XXXX  credit bureaus and no visible account number can be seen.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Diversified consultant never notified me of the debt, I found out about the debt by pulling my credit report and I called to verify, they refused to verify or validate. I called and settled for   XXXX   from  XXXX  oringal amount from  XXXX  and I asked for confirmation from my payment I made with my credit card and to this day I ca n't get anything from them. Every time I call they always give me the run around and still reporting to  XXXX  as a debt and send a different balance every week Messing up my credit report. I have called over 15 times still nothing I have disputed with  XXXX  and they still saying verified and I still ca n't get this removed
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2017 I made a purchase at the XXXX XXXX XXXX convenience store. I purchased a few candy bars and a book. I watched the items being rung up at the POS terminal and saw that the amount was XXXX pesos, which I have the receipt for. When the sales person entered the amount on the credit card terminal I signed the pad and walked away with my receipt from the store. When we received our Chase statement in the mail we realized that although the charge on the register was XXXX pesos, our credit card was charged XXXX pesos. We contacted the credit card company and filed a dispute. The shop in XXXX provided my signed copy of the credit card receipt but not my itemized receipt. Chase has sided with the merchant whose business is now closed. They are unwilling to acknowledge in anyway that the merchant keyed in the amount incorrectly, and possibly fraudulently. Chase is telling me that the only recourse I have is to reopen the dispute. They are very unwilling to resolve the problem or listen to me. I feel that the merchant is being protected and I have no rights or recourse with Chase bank.
Consumer complaint received 2015-03-21
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (OR)

Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0  % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer.  <P/> On   XXXX   XXXX   XXXX    , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The  application was submitted and approved for $  XXXX  by me giving the store rep my  SSN. Th e card arrived on  XX/XX/XXXX  and I immediately registered to view the account online. I noticed that in addition to the charge   ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
<P/>
1. On    XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact  Zales 2. I visited Zales ( minutes later ) and they  stated the charge was not applied by them but rather, by Comenity Bank  3. The Zales rep wa s absolutely unaware of any fees being applied ( for  the 12-months 0 % APR option )  and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge.  <P/> As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance is reporting a recent late payment on an account that was paid off and closed years ago. I was never late one time and was on auto draft. How can they update currently late when the loan is paid off!? When I call them they just transfer me around and say that they can not see the late or why because the account is so old. 
So nobody can help me. I need this resolved please
Consumer complaint received 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Persolve, LLC - Legal - Series 2 (AZ)

Case File No :  XXXX  Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named   XXXX   XXXX   and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges,  Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you  are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full.  <P/> If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within  Seven Working days after the petition is filed against your name.   <P/> Should have any assistance regarding this case you can reply back on the same email.  <P/> Do revert ASAP in order to avoid legal consequence on your name and SSN.  <P/> Thank You.     XXXX   XXXX  .
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recover, LLC (GA)

Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.
Consumer complaint received 2018-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Portfolio Services, Inc. (TN)

On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. 
On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a  payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.
Consumer complaint received 2017-06-09
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. (UT)

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the   XXXX   credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until   XXXX   2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.