davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (CA)

North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.
Consumer complaint received 2020-07-13
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: CITIBANK, N.A. (FL)

I have been a loyal customer of Sears Master Card ( Citibank Retail ). I asked for assistance due to Corvid-19 and was denied assistance. I attached the letter indicating I am on a payment plan of $ XXXX  monthly so therefore not eligible for Corvid-19 assistance, which is absurd. I am currently and have been continuously in an out of the hospital due to XXXX XXXX XXXX XXXX in which my XXXX XXXX  is under the review of my XXXX ( Medical Team ) who are trying to figure out my best options in regards to my health. I, like billions of people were heavily impacted by Covid-19. I  required assistance in which they denied me. Citibank forced me into a payment plan of $ XXXX monthly because I informed them I did not have the massive amounts for monthly payments they were requesting because of fraudulent charges, non-authorized bogus payments and additionally the fees they assessed ( reversed payments ), over the limit and fraudulent, unauthorized charge in which they held me liable for that I was clueless to. The company refused to review that the bogus payments which were not the account in which I loyally made my payments from. Also, they would not implement their 0 liability or unauthorized charges ( fraud ). Plus they closed the account because of these things which were not my fault but yet holding me liable
Consumer complaint received 2020-06-25
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: CITIBANK, N.A. (ID)

I am writing in reguards to dispute # XXXX for a purchase of {$100.00} on XX/XX/20 from a website XXXX I originally made this dispute as I tried to cancel the order for this purchase before it was processed and sent. I became very suspicious that the website and merchant may not be legitimate after I ordered the items. I was told by the merchant it was too late and they already sent the item. I ordered 2 bifold closet doors from this merchant and they provided tracking numbers on these. The packages arrived seperately and intially opening them, I was very confused by the contents because there were paper N-95 masks in them from XXXX and I did not order any masks from XXXX ever. I thought it was someone's mistake. I quickly realized this that the tracking numbers on these packages for the masks were the same tracking numbers provided by the merchant for the for the doors. So I ordered 2 bifold doors for {$100.00} but I received some paper masks worth a few dollars which is fraud. 

The claim was supposedly investigated but settled in the merchants favor. Prior to this dispute being settled, I tried to relay this information but do not feel it was taken into consideration. I have provided communication with the merchant with tracking numbers and an attempt to cancel the order as well as pictures with the package and tracking numbers showing the items in the package which were not what I ordered. 

In summary, I ordered 2 doors for {$100.00} USD on XX/XX/20 and was sent some paper face masks instead. This is clearly a fraudulent scheme by the merchant. I tried to address it immediately and feel that it could have been addressed more quickly and efficiently. 

I have tried to provide any additional supporting documents as well as communication from the merchant about the order. This information make the fraud clear and easy to see. I hope that this is further investigated again and there is improved transparency and communication. This has been a very frustrating experience for me.
Consumer complaint received 2020-07-13
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. (CA)

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Consumer complaint received 2015-12-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

i was financed by santander consumer usa. i made XXXX payments, most of it was XXXX per month, there is a lot of costly issues with my car, i asked them to pay XXXX a month since my issues needs to be fix, they would call me all times of the day, sundays and on holidays, sometimes i get angry, because i am paying my loan, now it is intress added to intress, now they want me to pay XXXX a month, or get reposess, can i get some sort of help, the car is worth around XXXX dollars, used the price i payed so far, for them to reposess my car for,XXXX XXXX dollars, is pure bullie in, can i get some help please, i rather give back the car so not to have repo on my credit. Thank you.
Consumer complaint received 2020-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Had a car loan with Capital One that was paid off using an account that was closed before the car had actually been paid off. Did get a credit card with Capital One, which is an entire different department/company than the car department. Made a payment while out of country in XX/XX/2019 like I always do through the credit card site. I had thought everything was fine until I received XXXX XXXX   statement saying that I had been late and missed a payment. I call the company and asked what happened because I knew I had paid them. They informed me that the bank that I had tried to use to pay declined payment. That's absurd because I know there was plenty of money to cover the small amount of my payment. They informed me then that the payment was trying to be pulled from the old car account. I explained that's impossible and that now it hit my credit score as a missed payment and that I wanted it fixed. They said sorry they can't do that, but did credit me the late fee. When pressed with a manager she admitted that she was " baffled '' how that could happen and that she was able to see both accounts but that they had never been linked with the credit card. Still the answer was they can't help. Reached out again recently with the same result. So wrong that this has taken so long and it is really hurting my chances of buying a new home. All over a {$100.00} credit card?
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HUNTINGTON NATIONAL BANK, THE (MI)

The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (MI)

The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BRite Financial Services, Inc. (WI)

XXXX Called Brite Financial to obtain information as where to take my car for repairs with the extended warranty that's included in my lease. Originally Car rite XXXX XXXX XXXX XXXX XXXX WI XXXX is where my car should go for maintenance and repairs. 
Car Rite has been closed since XX/XX/XXXX, no notice or direction as to where to take my vehicle going forward. Brite Financial advised my contract # is XXXX the number for the XXXX XXXX  is XXXX I was advised that The XXXX XXXX, administered by XXXX is where I should call XXXX. I called them and was advised I could take my vehicle to any licensed repair shop and my deductible for repairs is {$100.00}. I then made an appointment for XX/XX/XXXX at XXXX with XXXX XXXX dealership. 

XXXX XXXX advised me that my car needed a sensor replaced and they were going to call the warranty place to open a claim. They would call me Back to schedule the repairs. 

XX/XX/XXXX XXXX advised me that The XXXX XXXX denied my claim as I need to go to the selling dealership which is closed. 

XX/XX/XXXX Called XXXX XXXX  back and they were supposed to call XXXX back with my claim number as they confirmed the selling dealership is closed. 

XX/XX/XXXX Called XXXX no call ever received from The XXXX XXXX, called XXXX XXXX there is a different department " first extended '' that I need to speak to? On hold for over 30 minutes and the system disconnected the call.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (IA)

Account was disputed because account is reporting inaccurate on credit report. Stating open by XXXX while closed by XXXX. Missing date last verified by XXXX and date closed by bite XXXX and XXXX reporting account not disputed. This is false because account has been disputed. I ask that for information on how account came up with this balance owed. Please break down numbers so that I can understand. Previously account disputed by original creditor as Payment after chargeoff by XXXX while XXXX reported unpaid balance XXXX reported as Paid charge off and suddenly it all changed to charge off as bad debt unpaid balance reported as a loss
Consumer complaint received 2020-07-13
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. (CA)

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Consumer complaint received 2020-06-27
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. (NV)

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX  XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - Experian Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Consumer complaint received 2018-06-12
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: Freedom Mortgage Company (AZ)

Loan number XXXX Freedom Mortgage I have been disputing this organizations errors since XXXX of 2018. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement dated XX/XX/2018 showing my payment were up to date and that my next payment was due on XXXX XXXX. This corresponds to my records. On XX/XX/2018 XXXX reversed TWO months of payments resulting in my payments for XXXX and XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them. 
XXXX XXXX
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

In XX/XX/2019, I changed the registration of my vehicle from South Carolina to Georgia. My lender, Nissan Motor Acceptance Corporation, has a policy that requires borrowers to obtain the title through a third party - XXXX. The XXXX XXXX Tax Commissioner would not allow me to obtain the title in that manner. The Tax Commissioner claims that they handle thousands of title changes and the lender always cooperates with their process. The lender will not cooperate with me, and will not even provide a response to the tax commissioner as to that fact. This lender needs to conform its policies to adhere to state and local laws regarding vehicle registration. Additionally, there needs to be resolution as to how many borrowers were able to register their cars by cooperating with the tax commissioner and how many were required to use XXXX. It can not be one way for some people and another way for other people.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received 2 unauthorized hard pulls in XX/XX/ 2020 on my credit report from you all. They need to be removed immediately.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Wireless Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (TX)

I have sent letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. These unverified inaccurate accounts are violating my rights Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-09-17
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)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

OnXX/XX/2018 I submitted disputes for validation of student loan information being reported incorrectly to all 3 Credit reporting agencies, XXXX, XXXX, and XXXX. I also reached out to the various reporting companies listed on the credit agencies reports. All the information from the Credit Bureaus differ and after the inquiries of dispute for validation, XXXX  and XXXX have claim to have found the information reporting to be valid and almost tripled the amount owed/balance reporting. They are also reporting some balances as paid {$0.00} balance. I have been on an income driven base payment plan which I have paid every for the past 9 months. As of XX/XX/2018 I have been considered successful and the loans I receive a letter that the loans are now returned the PHEAA.  However the balances were all consolidated and now they are reporting tripled on XXXX and XXXX. These have highly affected my chance of any progression or stability in life. The loans were previously sold to various companies and have history showing as report status of PAID {$0.00}, transferred to new lenders, CLOSED, some companies such as XXXX, XXXX XXXX, AES, XXXX etc and now the true balance are in discrepancy amongst the agencies and are causing denials and chaos in my life. The Credit agencies have not provided me with any valid documentation for any of what they are reporting on these student loans. These co
Consumer complaint received 2023-02-07
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. (NJ)

un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXXXXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, eXXXX XXXXXXXX XXXX, equifax