davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SUN FINANCE COMPANY, LLC (LA)

The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing!
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$10000.00}.
Consumer complaint received 2021-11-30
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: Santander Consumer USA Holdings Inc. (PA)

I XXXX XXXX, a consumer, made a consumer credit transaction with XXXX XXXX on XX/XX/2021 in good faith. After obtaining my vehicle registration I noticed a error on my title ( XXXX XXXX XXXX ). Santander Consumer USA is labeled a lien holder on my title but i have no account or loan with this corporation. I contacted Santander Consumer USA about this error and they confirmed my title is in their possession. After noticing the title was in the system, I informed Santander Consumer USA that an error was made and asked them if the corporation name could be removed from my title and if they could contact Pennsylvania Department Of Transportation and electronically remove this lien. A supervisor of the corporation informed me that it is no known fact of why the error occurred but Santander Consumer USA are not able to release my title and remove their name as a lien holder. I also contacted the Pennsylvania Department Of Transportation about this matter and they gave me supporting documents verifying Santander Consumer USA as the lien holder on my vehicle. This matter is now considered fraud and Santander Consumer USA was notified that an error was made.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The derogatory Bank of America Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Bank of America. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I opened a checking account with Bank of America in XXXX XXXX XXXX AZ. with {$1000.00}. I did not use the account and actually forgot about it. I do use a BOA credit card and online banking to track and pay each month. Recently I discovered that the BOA has been taking $ XXXX/month out for " service fees '' since approximatelyXX/XX/XXXX and this amounts to {$770.00} lost!
I spoke with a representative of BOA about ten days ago and was told that nothing can be done to recover the fees even though I was never informed that they would be applied after I had made the original deal to open the account which had no monthly charge with {$1000.00} balance.
I guess that they have some sort of " hidden wording '' in the original paperwork that I signed when I opened the account but I do not have any records to refer to as I totally forgot the account and trashed the old records a couple of years ago.
In a phone call today BOA told me that the original agreement provides that they can change the charges anytime and do not need my consent, which they did.
My complaint is that while this practice may be legal it is not at all fair to the consumer and should be stopped through regulation by Government agencies responsible for the consumer banking industry. Why should this industry be able to effectively change a contract element without assurance that the parties have been informed and consent to the change.
What a " shady '' way to do business in my opinion, but at XXXX Yrs. old I suppose my morals are obsolete.
Thank you for any assistance you may render, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My loans were consolidated under the Dept. of Ed in XX/XX/XXXX. I transitioned from XXXX to Mohela. My consolidated loans were then paused as part of the Covid-19 emergency action. 
When repayments resumed in XXXX, I was one of those who received the notice 1 week prior to its due date. I paid by the due date and continued. In late XXXX I received notice that the monthly payments were paused as a result of Mohela 's mismanagement of the restart. I would receive credit for the payments already made and those payments would be applied to my account at a future date. 
Each month I receive an email from Mohela confirming receipt of my payment. Starting XXXX XXXX Mohela has sent me a statement claiming I owe two months of payment. I've asked them to verify their records because this was an error on their end. Again in XX/XX/XXXX, I received the same notice. They have not responded to my questions nor credited my account for the all monies paid following the payment restart. I did pay the two months claimed on the statement this time with the hope that with intervention of CFPB things will be correct. 
This is very likely happening to other st loan holders with Mohela as their servicer.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with the accounts below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

Im not sure of the exact dates but I started receiving account statements from them every month but never opened an account. Called them to cancel the account and they said its canceled talked with the credit bureau and set a fraud alert on my account. But still recieving mail about my account that suppose to be closed.
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, Experian has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Consumer complaint received 2017-08-24
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: EQUIFAX, INC. (FL)

their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In my previous complaint, XXXX, I specified that I wanted to know why Chase Bank did not respond to our customer 's bank, XXXX XXXX, when the request was allegedly made by our customer through XXXX XXXX in XXXX of XXXX. Chase responded to that complaint stating that the responded to XXXX XXXX that the account had no funds in it, and the response was made XX/XX/XXXX of this year, 8 days prior to filing my complaint. I was told that XXXX XXXX had made more than 1 request and XX/XX/XXXX was just the last time. However, The response letter I received stated, XXXX : " We confirmed that XXXX XXXX sent a recall request for the funds, but there were no funds available for return. We shared this information with them on XX/XX/XXXX. '' This letter is indicating that they shared the information on XX/XX/XXXX, no mention of any previous requests and responses dating back to XXXX of XXXX. I spoke to XXXX from Chase Bank who is the executive office person who handled our previous complaint and she indicated she could provide me with the dates, via email, of all the requests and their response prior to XX/XX/XXXX, going back to late XXXX of XXXX. She told me she could respond by email within a couple of days of releasing the investigation letter in response to my complain ; XXXX. However I did not receive that information and now over a week later I have made several attempts to contact her to request that feedback and have received no response.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

These is not my account. ( 2 ) accounts America First Credit Union is wrongly showing 2 charged off accounts on XXXX, XXXX and XXXX. 

Please remove
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.
Consumer complaint received 2022-03-03
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: Santander Consumer USA Holdings Inc. (CA)

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-06
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. (TX)

i have requested the inquiries listed below be deleted the company ( XXXX agrees that inquiries are invalid and stated they would sent request to all XXXX credit buereas. XXXX has removed but transunion is refusing stating i have to authorize them to delete. Well here is my authorization please remove inaccurate information immediatley. <P/><P/>XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-30
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. (NC)

I review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  AMERICOLLECT  XXXX   XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious AMERICOLLECT  XXXX   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act L itigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX   XXXX  SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.