davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank Home just shut down my credit card with no notice!! I have always paid on time with all of my bills but last XX/XX/XXXX I had to have an XXXX XXXX XXXX which cost me $ 5K and put me behind on everything as I am a twice widowed mother living on one income and have no savings as inflation has doubled my utilities and gas expense as I drive two hours round trip daily to work and home!! They took two {$160.00} pmts just a month ago now say I am two payments behind! I get no statements by mail or online or bill reminders! I work for me the Dept of Employment IDES in XXXX IL so they know they will get their money they are just working with all the other sleazy high interest loan companies and credit grantors like XXXX who did the same to me and XXXX XXXX to ruin my credit score so I will fall further into poverty and always have to borrow at subprime rates!!! They have been doing this since XXXX! Enforce the laws on them, shut them down and shut down the credit scoring and reporting system completely! They get mad if an emergency happens one time then try to get revenge!!! I want this card reopened and corrected and I want all of my reports corrected and copies of them mailed to me and I also want mailed statements monthly and payment reminders emailed to me!!! I am contacting Bidens office about this too it is time for a change in the financial industry!!!
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

XXXX  reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and XXXX  telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

they said they would remove but didnt here is a cut and paste responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau indicating that XXXX XXXX disputes creating the XXXX XXXX XXXX debt we acquired in her name. In an effort to resolve this matter, we have terminated collection efforts on the XXXX debt and requested the credit bureaus to delete our tradeline. Thank you for the opportunity to respond.
Consumer complaint received 2020-11-13
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or 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 got into the wrong hands of the wrong person.
Consumer complaint received 2023-02-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (TN)

So got a car loan through Santander consumer they was calling and harassing me over and over while I was at work then would get irate with me because I wouldn't answer I would tell them I was at work I can not be on the phone but they continued. I never received any bills in the mail nor email telling me I owed I would make an arrangement they never put a promise to pay and repoed my vehicle before I could make the arranged pay then when I called to see how to get it back they wanted to charge me XXXX to get back said that's the whole loan amount plus fees and tow bill and my address was never on file they never documented it when I called to give them my address and my name was wrong on the account I seen there was a class action lawsuit but idk if I could do anything and I lost my job that I was at for yrs because lack of transportation because of them. I never received any warnings other than they irate calls while I was at work I do not have any documents because they never sent me any
Consumer complaint received 2022-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (GA)

XX/XX/2022. A certified letter was sent to Experian referencing the information reporting on my consumer report that accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX as inquiries that were not authorized. As well as the account for XXXX XXXX XXXX. I received an email in response to its closing of the investigation but to no resolve. I also made reference as a reminder of { 15 USC code 1681b- Permissible of purposes of consumer reports ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written the instructions of the consumer to whom it relates. }
Consumer complaint received 2021-05-26
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: Exeter Finance, LLC. (TN)

This is in response to your recent claim that the Account # XXXX is belong to me that is my account, Yet you have failed sending the Wet Ink contract bearing my signature and an agreement showing I have legal obligation to pay you.
Consumer complaint received 2023-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance.I didnt take original loans with Navient. I want proof of everything they gave me a fee for or reported as late.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NC)

I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.
Consumer complaint received 2020-11-23
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: Associated Credit Services, Inc. (NY)

On XX/XX/2020, ASSOCIATED CREDIT SE add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ASSOCIATED CREDIT SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I brought a XXXX XXXX XXXX  with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX listed in collections for XXXX  XXXX XXXX. Just appeared on my credit report all 3 bureaus. I have never been in contact with either and per XXXX  this is fraud that has already been reported. XXXX XXXX XXXX XXXX  and no entity exist now or ever. XXXX XXXX XXXX XXXX  has been list as a fraudulent debt collector operating under various names at the same address in the State of California.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good evening, In accordance with fair credit reporting act XXXX, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX, XXXXXXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I DEPOSIT 2 CHECKS INTO MY SAVING ACCOUNT. ONXX/XX/2021 AT A WELLS FARGO BANK CHECKS AMMOUNT {$4100.00} PLUS {$3400.00} SINCE I DEPOSIT THE CHECKS LAST WEEK, CHECKS ARE STILL ON HOLD
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.
Consumer complaint received 2020-09-08
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. (TX)

The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.
Consumer complaint received 2017-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was shopping at XXXX XXXX and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to XXXX XXXX. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX  last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (TX)

A new acct showed up on my credit report from XXXX XXXX, the Army Airforce Exchange service. I am not eligible for an acct from them as I am not a retired veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, XXXX XXXX XXXX, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted AAES directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from XXXX they intend filing wage garnishment against me.