davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. 

I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.
Consumer complaint received 2021-06-01
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. (CA)

XX/XX/2021, Regarding Trans-Union, For the last 10 days I have been unable to get my credit report online, all the other credit bureaus online access is working and give daily or week access.

I have call them more than 12 times, and have almost as many phone number for them. 
They sent me a paper report but online is easier to read online with my XXXX. 
https : //service.transunion.com/dss/dashboard.page? 
Your online credit report isn't available at this time. 
-- -- -- -- -- -- -- -- -- -- - our TransUnion Credit Report Freeze status is currently : Unknown The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX -- -- -- -- -- -- -- under fraud alert Were unable to process your request at this time. 
Our system is experiencing technical difficulties. 
Were unable to process your request at this time. 
-- -- -- -- -- -- -- -- - Checking credit online : Our system is experiencing technical difficulties. 
We're unable to complete your request online. 
Please try your request by phone or mail. 
What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- I have call the a dozen times, include the two phone number above and have these phone number, they give different one most times : XXXX, XXXX, XXXX, XXXX, XXXX website XXXX
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX my NV UNEMPLOYMENT BANK OF AMERICA CARD WAS HACKED for {$420.00}. Bank of America sent a new card no problem. A month later they froze my new card do to fraud on XX/XX/XXXX with no explanation. Had to verify my identity with NV unemployment which I did on XX/XX/XXXX. Received a letter from Bank of America dated XX/XX/XXXX to call the service line to unfreeze my account. Call the number only to be told they can't do anything to unfreeze it. Bank of America is unwilling to solve this issue only to be told to call NV unemployment.
Consumer complaint received 2022-06-27
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 (OH)

Contacted PayPal multiple time last to close my account. Theyve stated they cant. My personal account was verified never made any transactions or anything I had to upgrade my account to be able to receive payments for my work. Thats the only change that was made Ive never had any other PayPal account or did business with PayPal. They just shut my account down and not allowing me to close so I can use the other service my employer provide call stripe which is illegal I dont have to use your service but you cant hold my business hostage either.
Consumer complaint received 2021-04-09
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 up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance XXXX : {$2900.00} XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (NY)

I contacted Equifax on XX/XX/XXXX after reviewing my credit report in depth. I was impacted by the XXXX data breach ( Equifax ) and have had identity theft issues as a result. I do not recognize and did not authorize the following inquiries and am requesting their removal immediately. 

XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX -XXXX : XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX : XX/XX/XXXX -XXXX  : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AR)

Excessive interest rate paying 20.74 % interest rate I've had the credit card since over 10 years. Rate increased without proper notification over the past 5 years increases yearly. Monthly credit card interest is excessive and I paid more interest than I pay in mortgage. I have currently not made purchases over the last year. I have made complaints to the company. I'm afraid to make purchases because if I make a purchase that even increases my interest. All I want to do is just pay off the card and be done with it. The interest is too high so therefore I have to make monthly payments feasible to fit my monthly income.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX  XXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, XXXX, Equifax.
Consumer complaint received 2022-11-16
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)

XXXX XXXX XXXX XXXX  has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX XXXXXXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, XXXX, Transunion, XXXX.
Consumer complaint received 2023-06-12
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need someone to help me figure out what i need to do about my records my background i cant to get a job because of my background I'm not sure who to talk to about how much i owe XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I was dealing with a XXXX XXXX to add an authorized user to my account to help with their XXXX XXXX. That user got my personal information and ordered themself a card and made several charges totaling {$5400.00} on my account. Chase said the authorized user transactions were made with the chip so they had a physical card. 

I called chase to have the amount of {$5.00}, XXXX removed from my card. Chase cancelled the card twice credited my account and issued me a new card and they transferred the same amount to the new cards again.

Fraud department did not help because they said I added that person and saying that I'm responsible for the charges. 

I did not give the XXXX a card and I did not authorize the purchases they made. 
I have always been told that if you add and authorize user to your account they don't receive a card the card gets mailed to me the card holder, and they don't have access to my personal information. 

I want Chase to remove this charges and credit my card then I will close my account with Chase it was a XXXX XXXXXXXX XXXX
Consumer complaint received 2020-11-23
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. (NM)

Trans Union, XX/XX/XXXX and XX/XX/XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CO)

I have been receiving daily phone calls from multiple different CBE phone numbers as I have called the numbers back. I have blocked several numbers already, but they keep changing which number they are calling from. They call and do not leave a voicemail. 

I know that there are no debt collections against me. Yesterday I pulled my credit report and nothing is listed. In addition, I know a debt collector is required to send a letter regarding the debt collection and I have not received any. I have no problem correcting a misdirected debt collection as I called a collector who sent such a year ago for the former owner of my house. I called and provided the corrected information. 

My complaint and reluctance to work with this collector is they do not leave a voicemail. That is slimy to say the least. Typically a collector will leave a voicemail with reference info to call back. As such, it is difficult to discern if this is a scam. I am reluctant to call back and possibly get suckered into a scam.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Recovery Systems, Ltd (TX)

I spoke with a Representative, calling me from this number. ( XXXX ) XXXX He called me regarding an account with Nationwide Recovery Systems regarding a hospital bill for {$2000.00}.

I advised the Rep that I previously paid {$700.00} toward this account & the balance was incorrect. I also advised that I was highly affected by Covid and currently XXXX. 

The Rep verified the posted payment I previously made on the account & stated he could settle the account for {$700.00}. 
I told the Rep I was willing to pay that amount after I find a place to live in a couple weeks & would contact him back when Im ready. He called me everyday harassing me & I previously advised him that I was XXXX. 
I received my credit report showing this account was reported & with the incorrect balance. 
XXXX XXXX XXXX are heartless & have no regard for consumers who have been highly impacted by Covid.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX  is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances.

They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX  should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX  points Thanks
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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. (TX)

On XX/XX/2021 I sent a very detailed affidavit of truth with evidence of all the issues I had with my credit report with evidence. I have attached that below. The credit bureau Transunion responded back with a generic response saying " the debts were validated '' but they did not ever show me any original documents from any of the creditors that are on my credit report. I am the natural person thus the original creditor. I entered a consumer credit transaction with these organizations and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law, they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. Not one single account that I requested proof of validation was ever sent to me. I have expressed this issue to Transunion, and it is well over 30 days since then and I am demanding that the invalidated debts be removed from my credit report.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc (CA)

I worked with the Chime Bank company two set up two direct deposits with the company I worked for. They have not helped or assisted me to get my funds. This company 's customer service is bad. They barely speak any XXXX. Would you please help me with the problems they have given me. Your help is appreciated in this situation. 

Thanks, XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed. 

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( 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 which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries.

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.