davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer. 

When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word. 

I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork. 

In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank. 

I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.
Consumer complaint received 2021-01-27
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: ONLINE Information Services, Inc. (NY)

Online Information Services ( Online Collection ) are reporting a fraudulen collection on m credit. This account is NOT Mine, and I have no knlowdledge of it. Please remove this account from my credit
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I requested a refund from XXXX  for flights cancelled by XXXX  which I had purchased with points and $ s on my Chase Sapphire card. 
On XX/XX/XXXX I got an email from XXXX  indicating my refund was complete. 
On XX/XX/XXXX I got an email from Chase Travel indicating my flights had been cancelled and indicating the points and $ s to be refunded. I received the points back the next day but as of today I have not received the credit on my card for the $ s. 
I have sent messages to Chase on XX/XX/XXXX, XXXX and XXXX asking when I will receive my refund but the only response I get is " Thank you for your inquiry. Let us know if we can be of assistance ''. 
It has now been three weeks since Chase received my refund from XXXX  but they have not credited the money to my credit card nor can they indicate when they will do so. There should be a limit on how long I must wait.
Consumer complaint received 2020-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a recent entry on my credit report regarding late payments. I would like to bring to your attention certain circumstances that contributed to these late payments and kindly request their removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: STEWARD FINANCIAL SERVICES LLC (FL)

Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In addition, I am also a victim of identity theft and have filed a necessary report with the Federal Trade Commission. I have provided the Identity Theft Affidavit in this complaint. 

Per 15 U.S. Code 1681b, I have noticed that there are several inquiries that were NOT authorized and they do NOT have permissible purpose according to the credit act law provided. The credit bureaus are in VIOLATION of the FCRA, and these items must be removed as soon as possible.
Consumer complaint received 2022-04-29
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-04
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)

On XX/XX/2021 I requested information on removing my loan account off a forbearance plan and requested information on deferring my payments. The response from XXXX referred me to a site to apply for a deferred payment plan, which I had questions about. 
On XX/XX/2021 I made another inquiry about deferring my payments and XXXX  again responded with a link to apply for this option online, which I did not do. 
On XX/XX/2021 I opted to pay the forbearance balance due in its entirety to bring my account up-to-date and current so that my credit report would show my account was in a positive status. I received a response from XXXX on XX/XX/2021 acknowledging my request to remove my account from forbearance. 
On XX/XX/2021 I requested a formal letter from XXXX acknowledging my account was current and in a non-forbearance status. 
On XX/XX/2021, XXXX responded and acknowleged that my account was in good standing and was told I would receive a letter in the mail but as of XX/XX/2021, I still do not have this letter. Additionally, credit reports are showing and have been showing for several weeks that my account is non-delinquent however it notes that my payments are deferred effective XX/XX/2021. This is incorrect, and I have called more than once and sent communication to XXXX requesting this be changed immediately and updated with the appropriate credit agencies. 
On XX/XX/2021, I opened a dispute via Experian against XXXX  erroneous reporting of my account status, and to date, it is still unresolved. This is a disappointing measure I have had to take to get this resolved and removed from my account. 
On that same day I called XXXX again about this error on my account status. The representative told me this was an error on XXXX part, that my account was current, that I never agreed to put my account on a deferred payment plan, and that my account should not reflect that my payments are deferred. The representative said she would escalate the issue to her supervisor and that it would take a couple of days to update. 
On XX/XX/XXXX, I called XXXX for an update and was told my account would be resolved that day, XX/XX/XXXX. I also asked for my billing statement for XXXX, which I was also told would be sent that day, but it was not recieved as of XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX for an update and have now been on hold just to speak with someone regarding my issue for 28 minutes. 
As of today, XX/XX/2021, nothing has changed on my account.
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Collection Agency, Inc. (AL)

Atlantic Collection has placed a collection on XXXX for {$240.00}. No notice was sent no information was shared. I called to resolve no help. This is a medical collection XXXX XXXX of XXXX. I am a senior citizen and I have never been to this imaging center.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the six credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus XXXX, XXXX, and Experian. I am trying to correct this issue.
Consumer complaint received 2021-01-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HILLTOP HOLDINGS, INC (TX)

On several occasions, this company has called 2-3 times back-to-back. They call when I am at work, and when I send the call to voicemail, they will simply call back, 1-2 more times at least. 

Most recently, they sent me notification about my debt in an open letter format. This was done by placing a door tag on my door notifying me that they were trying to collect on a debt and to contact them.
Consumer complaint received 2020-01-22
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. (NV)

On XX/XX/XXXX. I sent in a dispute into Experian at the address of record ; XXXX. XXXX XXXX, XXXX, TX XXXX. 
The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Experian has 30 days respond to the dispute beginning on the day the letter is received. On XX/XX/XXXX I received a response from Experian, dated XX/XX/XXXX, that only addressed two of the eight accounts mentioned in my dispute. It should be mentioned, that 30 days from the date my letter was received would warrant a response on XX/XX/XXXX. I called into Experian customer service number yesterday on XX/XX/XXXX and spoke with XXXX XXXX during this call Experian confirmed that my letter was indeed received, however XXXX claimed that only 2 accounts were disputed in my letter, which is a complete fallacy. The letter portion of my dispute included 4 pages. The items addressed in Experians response are listed on the bottom portion of the second page of my dispute. The notion that the initial page of my dispute was not received is far-fetched, at best. It is also illogical that the two items listed on the top of the second page were not received is also physically impossible as the items Experian choose to address are at the bottom of this very same page. It is completely unfair that Experian has decided to pick and choose what parts of my request were in dispute. Experian is willfully choosing to violate the law at the expense of consumers and should be held accountable for their actions. 

The letter that was sent was itemized. There were 8 accounts in this dispute ; XXXX XXXX XXXX XXXX not addressed and should be removed US Department of Education ( 4 accounts ) not addressed and should be removed XXXX XXXX XXXX XXXX not addressed and should be removed XXXX XXXX XXXX XXXX - verified, but response exceeds 30 allotment and the three 30 days late payments should be removed XXXX XXXX XXXX - verified, but response exceeds 30 allotment and should be removed
Consumer complaint received 2020-01-22
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. (SC)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2022 I received a promotional email from capital one stating if I upgraded from my venture card to venture x card I would receive 75,000 bonus miles if I spent {$4000.00} with the first 3 months of having the card. On either XX/XX/XXXX or XXXX I upgraded to the XXXX XXXX card using the the link provided in the email. I have since spent well over {$4000.00} on the XXXX XXXX card. On XX/XX/XXXX I received a call from a representative of capital one regarding a claim I put in for the above mentioned bonus miles. Because of time restraints I could not speak with the representative at the moment and asked if I could call him back within 10 minutes. Upon returning call and speaking with another representative, I received an email saying my claim would not be honored. I have the email. Nobody from capital wants to see said email.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

On XX/XX/XXXX I calle din to request a refund of the student loans that I had paid off after COVID pause, XX/XX/XXXX and on. They said they didn't have my payment history because my loan was transferred from XXXX in XX/XX/XXXX. They said it would take a couple of weeks to get the info from US DOE and then they could issue refund. It would take XXXX days for me to receive a refund. I called on XX/XX/XXXX because I haven't seen any change in my Mohela account or on student aid.gov. I called at XXXX and after XXXX mins  the system hung up on me. then I called again at XXXX and was on hold for XXXX hours and XXXX mins ( XXXX ). The CS rep was very courteous, polite and professional. But she was unable to see any updates on my account. She only saw that the call that I had made on XX/XX/XXXX and no updates notes after that. my payment history to XXXX still had not been updated. Then she told me that it would be another 30 to 90 days before I would get my refund. I don't even know if the refund has been submitted. I have nothing in writing confirming such and now they are telling me to wait another 30 to 90 days?? I don't understand what is going on and I definitely don't have another XXXX hours to spend on hold. Please help me get an update and accurate timeline. Thank you.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (AL)

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 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 . 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 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2017 I went online to an Experian website that advertised {$4.00} to check my credit score in which I paid for with my debit card. un be knowing to me a month later Experian started fraudulently taking {$24.00} a month from my banking account and there after. I immediately tried to call Experian to report the fraud but was just put on hold for hours on end!!! Experian have been charging my account {$24.00} a month for a membership that I never consented to I see they have different web sites to check your credit, some mention about a membership some don't. The one I applied to check my credit score didn't. I even printed out the website like the one I visited that mentioned nothing about a membership. How sad Experian feels the need to abuse their customers!
Consumer complaint received 2018-10-04
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. (GA)

I am filing this complaint because the credit bureaus XXXX and Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (CA)

I received unsolicited financial offers. After researching these offers, CoreLogic was named as the source of information. 

1 ) I have opted-out of offers so why is CoreLogic still selling my information? 
2 ) On XX/XX/2020, I completed CoreLogic 's form " Permanent Opt-Out Election Form '' to their product " Telemark ''. Mailed certified to to CoreLogic, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
3 ) The form asked for my social security number. How is it this company can require my SSN? 
4 ) I submitted the form with my SSN but I have not heard back from them. 
5 ) Does CoreLogic have other products I have to opt-out of? 
6 ) Are there other companies like CoreLogic that sell my information that is not subject to the normal opted-out of offers that I have to individually ask? 

I appreciate your assistance.