davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
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. (VA)

obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you
Consumer complaint received 2020-11-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

Last year of XX/XX/XXXX a collection for {$6100.00} was place on my credit report i have called the company about this collection and haven't gotten no response at i feel its the incorrect anount to pay for a apartment that i only live at for two months and now they saying i owe them the amount above which is incorrect period i done paid what i could when they file this collection on my account i can't afford to pay that amount period i have other bills as well i done put money in a registry when i got an eviction notice from this company back in may of last year my court records will show you i put something towards this company but it wasn't much cause i had other payments as well the company is southern management XXXX XXXX XXXX located in XXXX florida
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

I continue to try and make payment to the Credit Card Banking institution both on-line and over the phone with my Bank using my checking account. They continue to tell me they are receiving an error message. The information I provide them is good and up to date. I'm accruing late fees and it is affecting me credit.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Based on my claim history i was issued a payment on XX/XX/2020 for XXXX but i never got my card i was trying to request a new one but until nowi have no response why my account was frozen even though i provided my ID to the XXXX. I keep on getting paper checks but i have XXXX  XXXX  so i can not cash the checks
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXXXXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX ( 7 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-02-09
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. (TN)

I have submitted 2 complaints and made numerous calls now regarding my Experian credit profile. I just logged on and it shows zero open accounts. Your dispute results say my mortgage, auto loan, personal loan, and credit cards show. They show on the other 2 credit reporting agencies but it shows zero when I log into Experian. I have attached a screen shot. My mortgage with XXXX Bank and XXXX, my XXXX XXXX, XXXX XXXX, XXXX XXXX  Bank none of these show on Experian when I log on. I will just keep submitting weekly complaints until this issue is resolved. I have been calling you company for a year and a half to no avail.
Consumer complaint received 2021-02-09
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. (FL)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report.

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-09
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.
Consumer complaint received 2017-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

XXXX aka Navient aka XXXX XXXX ( predatory actions - collecting on charge off student loans ) XX/XX/XXXX it discovered {$450.00} was garnished from my pay and again XX/XX/XXXX. My company was not able to provide any details. 

After much research the company garnishing my pay was identified as XXXX. I immediately contacted XXXX ; XXXX would not provide any information regarding the loans and insisted that it was a court judgement. 
After several request, XXXX have not provided court records to substantiate the court judgement or loan origination information. 

XXXX informed me they are collecting {$90000.00} for a loan. I had co-signed student loans in the sum of {$20000.00}. for my son to attend the XXXX XXXX of XXXX XXXX, Florida. 

I needed to gather whatever information I could regarding the loans while diligently making payments. 
So, I reluctantly entered a payment schedule under due rest to avoid negative reporting to the credit bureau and potential termination of my employment ( I was an XXXX XXXX XXXX XXXX XXXX XXXX ). 

I completed the trial payment was turned over to Navient to complete the payment of $ 90,000.00+. 

Research showed my son defaulted on the loans while he was unemployed and began repayments arrangements with XXXX XXXX. The loans were charged off by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

How do I resolve this matter. Please help.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A. (IL)

Hello, In 2008 I went to Best Buy and ended up signing for their " My Best Buy Card '' and " Best Buy Master Card. Recently while taking a closer look to my finances I realized that they had been charging me with something call " Debt Protection ''. I tough that high payments for years were for a high APR. I never signed for that " protection program ''. I called best buy and they transfer me to the bank. They then told me they were going to send a request for my money in both cards. Then, 30 days later I got a letter in which they gave me {$30.00} back. But I had been paying for years at least is a XXXX what I want back. Then I called again asking for proof that I had signed for the program. 30 Days later I got another letter with no proof and they were giving me back {$15.00}. Then I call again and they simply told me that they were going to request again proof but is just simply a fraud. I politely asked to speak with someone who could escalate my claim, but the representative told me thats all they can do is send requests and wait. He told me there is no other department or phone number he can refer me too. This is very frustrating. What can I do? I am a very responsible person, I pay my cards every month on time. I am not XXXX those who want to get out of the deal. I just want what is fair, I am paying for stuff that I bought with high APR because that was the " deal '' and what I signed for, but is very frustrating to see that they take advantage and charge you with fees for something that I never agreed. 
I have been dealing with this for months and no resolution with them. Whats my next step. 

Thank you.
Consumer complaint received 2021-03-25
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: Google Compare Credit Cards Inc. (CA)

For the past 15 months XXXX XXXX has been aiding and abetting Google in the theft of my money. 

Every month I receive a {$1.00} charge, but no one will tell me what it is for. I have contacted Google and they will not stop charging me. They refuse to provide a receipt or even tell me what the charge is for. 

XXXX XXXX will not stop the merchant from charging my card. I have gone as far as getting a new card with a new number, but XXXX is giving this information to Google and the charges have somehow continued on the new card number. 

So far I have contacted : XXXX XXXX City Police XXXX Google XXXX Bank Congressman XXXX XXXX ... and others and yet no one has helped me. 

I will give credit to XXXX XXXX ' office, as that person said they reached out to Google, but Google is not responding to them. 

I have spoken to over 20 different reps at Google and no one will help me. I have contacted Citi and they told me there is nothing they can do and that I need to resolve it with the merchant. 

I feel completely helpless and taken advantage of as this has gone on for over a year and I do not know what else I can do. 

PLEASE HELP ME!
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (IL)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Within the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized the paramount importance of consumer reporting agencies fulfilling their obligations with fairness, impartiality, and utmost respect for the consumers privacy rights. Recognizing XXXX, XXXX, and XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to protect my private information. This right is bolstered by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  fall within the definition of a financial institution under this statute. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only upon receiving written instructions from the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentverbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX and XXXX is hereby revoked. Moreover, XXXX XXXX XXXX ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX and XXXX XXXX failed to inform me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The account in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting services .
Consumer complaint received 2021-03-25
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: Bread Financial Holdings, Inc. (CA)

I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my XXXX health and has affected the quality of my life. Please remove fraudulent accounts.
Consumer complaint received 2017-12-07
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: BMW Financial Services NA, LLC (NH)

XX/XX/XXXX BMW Financial Amount Owed and still reporting on Credit {$12000.00} This Debt was a joint debt with my Ex-wife which this vehicle was awarded to her in the divorce that made her solely responsible for the vehicle. She then let the car get repossessed and filed for chapter XXXX bankruptcy which she knowingly knew and her lawyer knew that she could not discharge this debt. 
Please see Case In the Matter of XXXX & XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) ( The issue here is whether a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non-dischargable in bankruptcy, or whether the creditor must request the court not to discharge the debt. We conclude that since the passage of the Bankruptcy Abuse Prevention And Consumer Protection Act of XX/XX/XXXX. ( XXXX ), XXXX. XXXX XXXX ( codified as amended at 11 U.S.C. 523 ( XX/XX/XXXX ), a debt under 11 U.S.C. 523 ( a ) ( 15 ) is automatically non dischargable in chapter XXXX bankruptcy )