davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NV)

I have a vehicle that went into reposession with Santander in between XXXX. This account is listed as charged off. A balance of {$1.00} reflects every month as 90 days past due. I called Santander to ask them to change this account to a XXXX balance. They would not do so, nor allow me to pay a {$1.00} balance. Instead I was asked to call a separate phone # /department first. After calling the separate department that I was referred to, the representative informed me that I must pay additional fees ( between $ XXXX {$800.00} ) before they would consider removing or XXXX out the balance. I have never been notified of these outstanding fees and feel that I am now being held hostage by fees that I have never been advised of. I feel this creditor has an obligation to my credit profile to report fairly and accurately. I tried to satisfy the debt and am now being advised of new charges that I 've never been shown an accounting for.
Consumer complaint received 2016-01-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (OK)

I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( 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. 

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 2021-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I received a letter from a company I've never heard of. First things first .... I HAVE NO DEBTS ... WHATSOEVER!!!! These people are frauds and scammers!!! This collection letter states that I owe {$3700.00} ... I don't owe anybody anything!!!! What a sad world we live in, when we have criminals sending us fake letters, to hand over money that doesn't belong to them. I must admit they are getting pretty bold and desperate in this pandemic time period!!!!
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I have no recollection of any business transaction with either " The   XXXX   XXXX   XXXX   '' or "   XXXX   XXXX   ''. Currently these " organizations are reporting a delinquency with the  XXXX  major credit reporting agencies. After my own investigation I confirmed with the California  Secretary of State th at neither " company '' has a valid and current  Corporate  status. In fact both have been suspended and are now illegally operating.        XXXX   XXXX   XXXX
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian refuses to investigate my dispute for erroneous personal and account information on my credit file. They will not provide me with the method of verification per FCRA Section 611 ( a ) ( 7 ). I just received 3 letters, the first that came back " verified, '' which is not sufficient and the other two letters were letters stating that they will not investigate my claims, even though they did n't show me how they investigated in the first place.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing this email as I have no other recourse. American Express does n't have a complaint department ( at least that 's what I was told on the telephone ) and their website does n't include an email address. Over the past two days I 've been so frustrated with American Express customer service representatives. It is clear that their customer service department is outsourced. That is not an indictment upon the nationality of the representative, rather an indication of representatives who do n't care about American Express customers. Upon being provided a pin number to obtain a cash advance, as I was in an emergency, I found that my card did not work. I tried more than XXXX ATMs and spoke to more than eight representatives with American Express. The answer I got from each representative was, " I 'm sorry but I ca n't help you. '' Since when did I 'm sorry I ca n't help you become a satisfactory answer for a customer service representative to provide a long-time customer who is in an emergency? On two occasions the representatives took steps to try and provide further assistance, but ultimately resulted in blind transferring me to another department who similarly was unable to help. I spoke to supervisors and all we 're happy to state that they were unable to help me. Why should I continue to do business with a company who care so little about their customers that they hire customer service representatives who ca n't fix problems and frankly do n't care to do so? 

Perplexed and perturbed ....
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (OH)

Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

This Company named XXXX : by Goldman Sachs contacted me by email saying that I owe them money. I told them I never heard of them before, to please show me the Alledged Contract that I signed with them, because I always sign in BLUE ink. I have sent numerous letters ( which I have POSTAL ARTICLE NUMBERS to verify that I sent them letters telling them to validate this Alledged Contract ) asking for this proof of contract with two wet ink signatures, and they can't provide this for me. I need your help getting this proof for me because they purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. A LAWSUIT WILL BE FILED IN 30 DAYS UNLESS RESOLVED. 

Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. 

1. ) RF XXXX XXXX 2. ) RF XXXX XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX They will only give me the ending numbers to the card but they are two different numbers. One is ending in XXXX and the other is XXXX. 

They reported that I owe them a balance of {$2100.00}. I don't know how a company that I do not have a contract with can harm me and my family and get away with it. If this is not resolved ASAP I will contact the IRS ( audit ) and have them look into this bank also. 

We all want full disclosure and equal protection under the law. We refuse for the banks to steal our property! 

( FRAUD IN THE FACTUM, BREACH OF CONTRACT, and THAT THE ALLEGED LENDER IS NOT THE HOLDER IN DUE COURSE OF THE BORROWERS PROMISSORY NOTE ) PLEASE CFPB HELP MY FAMILY and I GET JUSTICE. If you can't do it the COURT can.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the hospital many times now I just cant take it anymore!
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I obtained my credit report and there is a capital one account on my credit report that do not belong to me. I contacted capital one to inform them that I never applied for a capital one card and request that they provide proof or removed the account from my credit file and they never provided any proof and there after they turned the account over to a collection company by the name of XXXX XXXX acct # XXXX that is now showing as a collection company on my credit report.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NC)

I received several calls from a group called Medicredit. When I was finally home and answered the call, they lied and told me I owed ( I believe it was something like {$1400.00} for my original bill ). Then they told me I actually just owed {$800.00} as the hospital reduced my bill for self-pay. Then they told me that I really owed {$400.00} but they would make a deal with me and allow me to pay {$220.00} if I paid it by the end of the month. I had been paying the hospital $ XXXX {$20.00} each month and Medicredit claimed they didn't have any record of those payments. I originally agreed to pay the {$220.00} but in the meantime I called the hospital and asked them about the amount of the bill as it was not what the paperwork had been saying when they billed me and asked them what happened to the monthly payments I had been making. I spoke with XXXX in the billing dept.at XXXX in XXXX, NC. She said her records showed that I had been making the monthly payments and that I only had {$110.00} left to pay. She told me she put my account on hold that day as we spoke ( earlier in XX/XX/2021 ) because of all the questions she had about what Medicredit was saying to me that didn't match what XXXX had on their records. Since I had just received my stimulus check I immediately sent XXXX the {$110.00} balance. I have a statement in front of me from XXXX XXXX XXXX # XXXX dated XXXX where it shows that I paid them the final {$110.00} and I owe {$0.00}. After I spoke to XXXX at XXXX and she told me I only owed {$110.00} - Medicredit called again and I answered the call and explained that my account was put on hold and they denied that was true - and said they had not received anything from XXXX even though everything is on a computer. Even when I spoke to XXXX about 6 weeks ago, she said she didn't understand where Medicredit was getting those amounts from as I never owed that kind of money. Medicredit continues to call me. I just received a call a few minutes ago. This is my best recall of the information. If I thought it was going to continue even after I paid the bill I would have made extensive written records - so the dates are approximate. 
Go ahead - publish this information so Medicredit can stop lying to other people and trying to get money from them that we do not even owe.

Beware - check all your medical bills by calling the providers. If I had responded to their initial information I would be paying over {$1400.00} ( instead of the {$110.00} that I actually owed ). It is amazing that every amount Medicredit told me was a lie - I confirmed that with the hospital. 
Fact - We need national health care ( like almost every other country in the world ) for this exact reason - greedy vultures.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report!
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Asset Management Outsourcing, Inc. (MD)

I sent a letter on XX/XX/2021 explaining that there were some incorrect information on my XXXX  credit report from Nationwide XXXX  in the amount of {$1300.00}. I asked for the items to be removed. I then sent another letter on XX/XX/2021 asking again for the items to be removed. I have not received any response from XXXX  regarding either of these letters.
Consumer complaint received 2021-01-18
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. (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are XXXX names on my credit report that are not my correct name. XXXX mXXXX I believe is also one. I would like all XXXX removed and replaced with XXXX a space after the XXXX and a capital XXXX. 

Thank You