davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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. (RI)

I got approved for a car loan. The dealer didnt tell me how much it would be for or a month in payments. It would up being {$600.00} for 60 months for a {$18000.00} car. Mind you I put $ XXXX down when I bought it. XXXX XXXX XXXX NJ no longer in business and check out this their XXXX reviews didnt tell me but they added a ton of fake/ nonexistent warranties to it. Never once was I told the total loan amount. Fast forward 4 months later I couldnt afford the payments. I missed 2 and they came and took the car. No notice no warning no note. I never received anything about it going to auction and it still had a ton of my personal belongings in it. 1 being my personal laptop and camera. They still are reporting it as a charge off on my credit.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (FL)

I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.
Consumer complaint received 2022-09-15
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-11-03
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: Credence Resource Management, LLC (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-09-15
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 (GA)

XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
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: CBC Companies, Inc. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX is knowing reporting inaccurate information on my credit report. Experian is allowing them to do it. 

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance. 

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XXXX 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. Experian keep allowing this company to report inaccurate information on my credit report. 

6. Attached is a copy of this item on my credit report.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-22
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. (TX)

i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.
Consumer complaint received 2018-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

They refuse payment and under such hardship circumstances they refuse forbearance option, Overcharged and fees and charges and change the payment amount and even though overpaid almost 3 years and asked for it to be applied towards principle it never was and then they would not give me a list of all charges and fees applied on the account after one 30 day late because they refuse the payment They refuse a partial payment and I believe started foreclosure process and I believe the VA guarantee paid however Ditech will not respond to requests Verbally over the phone nor written request. I have given them six written notices.
Consumer complaint received 2017-08-02
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. (NY)

RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Hello I am filing a complaint because I filed a dispute with Macys over some fraudulent activity on my account- this dispute got declined - they have opened a new case to " re investigate '' but I am doing my due diligence in filing a complaint to ensure I am not responsible for charges I did not make. 

I opened a Macy 's card on XX/XX/XXXX in-store to receive a promo offer on purchases I had made. I had purchased a chain for my boyfriend, and 4 necklaces for myself and my family for XXXX ( this was the only time I had every used this card - the day I opened it ) I ordered this card to my home address - However - I never received this card that was mailed out. When I called the Macy 's CC department on XX/XX/XXXX, the initial call was to see when I could expect my credit card to arrive. I spoke to an employee who told me that there were charges of over {$1000.00} on my account. However, as stated, I never received the card that these charges were made on. 

I spoke to the employee on the phone and he informed me that my credit card, which was ordered on XX/XX/XXXX, had been sent. I had not ( nor have I ever ) received the credit card on the date of XX/XX/XXXX which was a month after ordering the initial card. This prompted me to call the fraud department. I spoke with an employee who explained they would cancel the card I was previously issued, before issuing and sending a new card. After not receiving the old card at the address I initially provided, I had a new ( different ) card shipped to my work address. I received the new card, which was ordered on XX/XX/XXXX, after the fraudulent charges were made. The fraudulent charges were made on XX/XX/XXXX and XX/XX/XXXX according to customer care reps. 
There were 2 charges made on XX/XX/XXXX - The amounts were {$70.00} - XXXX XXXXXXXX XXXX XXXX XXXX ) and {$370.00} ( sunglasses ) There was a third purchase made on XX/XX/XXXX for the amount of {$1000.00} ( mens jewelery ) The above information was provided to me by Customer care reps. 
On XX/XX/XXXX - I called and spoke to a customer care rep who also told me that the signature and the name that was given on the dates of XX/XX/XXXX and XX/XX/XXXX when the fraudulent purchases were made - were different than the signature I gave them the day I opened the card. Along with the fact that I never received this card- I am not sure why my original fraud dispute got declined. 

The dispute # is XXXX I have also filed a police report with XXXX Police Department - I can provide that information of the report # if requested ( it told me not to add any personal info in this report ) Any further information needed can be provided if you email or call me ( email is better as work keeps me rather busy ).
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

As a XXXX, XX/XX/XXXX single mom of a XX/XX/XXXX hospitalized with a XX/XX/XXXX XXXX, Mother begs American Express XXXX AMEX XXXX to immediately cease and desist from AMEX unauthorized attempts to repeatedly contact an innocent, ill daughter. Nurses and physicians have asked that Mother stop AMEX harassing calls that are causing dangerous and needless stress to a hospitalized child. Mother authorized her child only as " user '' of Mother 's AMEX credit card ; child is not and never was either a co-signor or financially responsible party. 

Because of California COVID stay-at-home orders, Mother has not been able to earn income for over one year and now has exhausted all life savings. 
Before COVID came to California in XX/XX/2019, Mother successfully served the hospitality industry for the entire state of California -- an industry now itself fully destroyed after one year of the coronavirus pandemic. 

Last year after COVID came to California, new U.S. COVID-related immigration restrictions also banned foreigners from entering the U.S. These federal restrictions prevented Mother 's loyal following of international hospitality investors from entering the U.S. to acquire California hotels and, as a result, prevented Mother from earning income. 

Though never before a cardiac victim but only since COVID-19 came to California, Mother suffered three different XXXX XXXX and XX/XX/XXXX XX/XX/XXXXand then further was diagnosed with XX/XX/XXXXXXXX ( liquid in the XXXX XXXX. As an XX/XX/XXXX, Mother no longer can afford to buy insulin to stay alive and soon will be without phone and Internet since she also can not pay past-due bills. 

Hospitalists, physicians, nurses and daughter in XXXX all have reported XXXX AMEX phone harassment. Mother demands that AMEX immediately cease and desist contacting a XX/XX/XXXX regarding AMEX accounts belonging solely to XXXX. 

Mother 's former California Attorney was sued by Mother/Plaintiff ( California Superior Court Case # XXXX ). Attorney still owes Mother Settlement of {>= $1,000,000}. Mother authorizes AMEX to contact Attorney at : Per the State Bar of California : License # XXXX License Status : Active Address : Law Office XX/XX/XXXXXXXX, # XXXX, XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Applied for a Best Buy card around XXXX an got a XXXX $ limit Bought items an got the no finance option an aways paid on time Then in XXXX they hit me with XXXX $ interest with a XXXX $ balance It was not much that i owed I have tried10 times to find what my balance was calling them an they never send me anything It was in XXXX that they put that XXXX $ on my account They say that it was acredit card when this happened but it was not, It was a card that you could buy stuff from there store with They will not give me any info but lies. I wanted statements from them an asked for them an got nothing.
Consumer complaint received 2018-07-07
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: Experian Information Solutions Inc. (PA)

I originally had a parents plus loan with XXXX XXXX now owned by XXXX the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report
Consumer complaint received 2020-07-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

I'm the Buyer and Buying agent of my first home in Florida. We were supposed to close on the property with an FHA mortgage on XXXX XXXX, 2020. We were using a lender that outsourced the underwriting to Mortgage Solutions of Colorado, who subsequently informed us it would take another month to close on the property after we had already extended the deal 3 weeks. 

I then swapped lender to a friend of mine who had the file underwritten in 1 week, however, they need the FHA case number for our appraisal transferred from the old underwriter, to them. The old underwriter we were using has taken another 3 weeks to respond to us. My question is if there is a time limit they have to transfer the appraisal 's FHA case number. Even after we swapped lenders, the old lender is still holding up our closing because they won't transfer the case number. We obviously have a lot riding on this home closing ; schools, furniture, a lease ending soon where we live currently, and we face losing our escrow deposit money. All because the old lender won't timely transfer the FHA case number. We will be facing serious damages if they do not. The deadline for our 4th extension to close is XX/XX/XXXX. 2020. original closing date was XXXX XXXX 2020.