davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC (LA)

XXXX XXXX on XXXX XXXX XXXX. Buyer said she was out of town but really wanted the bike. Told her I would hold it until she could ride to be sure she liked the git, it is a XXXX bike. She said she would pay through Zelle. I hardly use it so I got an email that said I had to put in {$500.00} to be come a business account to accept the {$1600.00} since the amount was high. So I did. Then It came back and said I needed another XXXX and I was very skeptical and she said her friend XXXX just went through this with her bike. I did know XXXX that just got a new bike, not sure how she bought it and well she guessed the right name so I did it. So I paid out XXXX and they were suppose to credit my account XXXX The XXXX for the bike and y XXXX i put up to become a business account Then I got another email saying to go to a bitcon ATM to deposit another XXXX I knew it was a scam. XXXX will not give me my money back bc I checked on Zelle that it was not a scam.
Consumer complaint received 2023-04-13
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. (NY)

Experian had been reported and inaccurate birthdate as XXXX  thats not completed information in addition XXXX, XXXX, XXXX, XXXX have been reporting inaccurate information which has had an negative impact on my credit in addition to unauthorized inquiries from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I received a letter in the mail from Chime for a Visa debit card account that I did not open. They had my name and phone number because when I called the automated system it said I was recognized, but had difficulty getting to a persons through the automated system. I did get to the fraud department by using my daughters phone, and asked them to cancel the account. They didnt wanted date of birth or Social Security number. I just gave them the date of birth. 
They said it was cancel, but would not give me any confirmation or information how the account was opened. That if I wanted that information, I can respond to an email they just sent me and would to give them date of birth Social Security card number, and a copy of my drivers license. 
Instead I decided to fill out a fraud report with my local police department and made this claim with CFPB This is the real Chime company and their phone number that was on the card and found on their website. 
It seems Chime is being very sophisticated on how they are gathering information and trying to open account with their company. 
Ive had my credit reports frozen for many years, so Im hoping this was not someone else trying to open an account fraudulently.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-13
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove this account from my credit. There's different dates on every report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OH)

Chase is taking 7 days or more to apply payments to the available credit. The timing is happening like this : Day XXXX : Payment is made onlineDay XXXX : Money is withdrawn from my checking account. 
Day XXXX : Payment is shown online and current balance is updated. Available credit is not updated. 
Day XXXX : My bank confirmed that the funds were deposited to Chase. 
Day XXXX : Available credit is finally updated. 

I was told by customer service that the available credit is updated once funds are confirmed. With funds deposited into their account by day XXXX, there is no reason it should take longer to update the account. All of my other credit cards update within 1-3 days. Chase is the only CC that refuses to update in a timely manner.
Consumer complaint received 2020-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (IN)

The account was opened in XX/XX/12 and I was a co signer in a vehicle purchased. When the veh was returned it was promised the overage in mileage would be taken care of by the dealership. It was not and this account is over 7 years old. It should not be reporting on my account as it has been charged off and no communication has been had with this account. 

I would like this removed as it is out of the statue of limitations.
Consumer complaint received 2016-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

I purchased a vehicle on XX/XX/XXXX through a local dealership, with a loan backed by Santander Consumer USA. Per my XXXX the first monthly payment was due on XX/XX/XXXX. The monthly installment amount was set to {$410.00}. Upon contacting Santander on XX/XX/XXXX to initiate set up of the first payment, I was notified that I was past due on my account and that if we did n't make payment by XX/XX/XXXX a late fee would be assessed. The representative stated that my past due amount + current month 's installment would total {$830.00}. This is in breach of the agreed upon XXXX XXXX. I advised the representative that our first payment was contracted to be on XX/XX/XXXX and he advised me that I was incorrect and again informed me that if payment was not received by XX/XX/XXXX a {$25.00} late fee would be assessed. During the same call said representative informed me that I had the option to change my payment due date online, of which advice I followed at a later date ( reset due date to EOM ). 
I charge Santander Consumer USA to be in breach of contract on the following counts : 1 ) A Santander representative stated my first payment to be {$830.00} ( see attached Payment History ), in disregard to the signed contract. 
2 ) A late fee was of {$25.00} was issued on XX/XX/XXXX ( see attached Payment History ), again in disregard of the signed contract. 
3 ) Upon changing of the monthly due date, the monthly installments increased to {$410.00}, also contrary of the signed contract.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report, but to date, there has been no response from them. I am writing to bring your attention to the inaccurate information and seek your assistance in resolving this matter. 

The following account with XXXX XXXX ( Account # : XXXX Date Opened : XX/XX/XXXX, Balance : {$430.00} ) inaccurately reports a late payment. Please correct/update this information on my credit report. 


Similarly, another account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) incorrectly reflects a late payment. I request the correction/update of this information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) is not mine. Kindly remove it from my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) is not associated with me. Please remove it from my credit report. 


The XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs further examination due to incorrect reporting. I request that you report this account as disputed while I address the matter directly with the creditor. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) is not valid. Kindly remove it from my credit report. 


Another XXXX  account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) is inaccurately listed. Please remove it from my credit report. 


The third XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) is not mine. I request its removal from my credit report.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Inquiries were removed from my transunion credit file and added back. 
There was no 5 day notice given to me the consumer. This is a violation on FCRA Section XXXX. Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Arnold Scott Harris, P.C. (NM)

Arnold Scott Harris, the collection company - that poses as a law firm -for the XXXX of XXXX XXXX of finance ( parking and red light camera violations ) is a highly disreputable company that we have had the unfortunate opportunity to interact with on numerous occassions. They fraudulently over-collected over {$320.00} in the past 5 years. Since moving out of XXXX in early XXXX, they have been trying to collect on an additional {$450.00} of disputed, value-tripled tickets. Their newest tactic, after threats of legal action and wage garnishment, is to call my phone at XXXX in the morning on a Saturday. They know we have relocated to New Mexico, as they have sent written correspondence to our new residence, so there is no excuse for not being aware of the difference in time zones, particularly on a Saturday morning.
Consumer complaint received 2016-01-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (OH)

I received phone message from company looking for me with maiden name. I tried calling the company back and phone rang and rang for over 10 minutes with no answer or company voicemail. I called the next day and spoke with a woman from the company. She claims she represents a debt collection company ( NPGLLC ) and they are trying to reclaim a loan that was taken out in XXXX under the name " XXXX XXXX '' ( I was legally married XXXX and my name was legally changed in XXXX ). The woman states loan was deposited to XXXX checking account ending in XXXX by a company called XXXX XXXX. They also claimed I worked for a previous employer at the time of the loan. When I asked the woman to speak more slowly as I was trying to write down what she was saying, the woman became flustered and rude. The company claims that I took a loan out for {$300.00} and now the balance is {$710.00} but if I paid today it would be settled for {$400.00}. I told the woman I felt that I was being scammed and that I was disputing this claim and that I needed to contact the proper authorities. I asked her if this claim was valid, why has it never shown on my credit report and she claimed that it was because small amounts from payday loans do not reflect on a persons credit report. I know for a fact this is false. She told me that if I did n't pay now I 'd lose the opportunity to save the additional money for repayment. I asked for all documentation regarding this claim and she would not mail it to my home, but only would email it to me. ( see attached ). I called XXXX bank, they confirm I did have a checking account ending in that number, but that account was closed XXXX so it could not have been used. NPGLLC has called my husband and father in law and left them threatening messages. I have confirmed with the FCC that this is indeed a known scam and I wish to file a formal claim.
Consumer complaint received 2016-09-04
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc. (UT)

I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
Consumer complaint received 2022-08-09
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: MOHELA (CA)

Date Reported XX/XX/2022 A student loan by Mohela/ Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MN)

I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid, I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous, continuously asking for the same stuff, just prolonging the review, and then denying for not receiving everything. I have not received a denial, but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him, the bills, the kids, working, and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX XXXX.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (GA)

I'm a current XXXX customer. I was living in XXXX and using their service. I then moved to XXXX  and remained a XXXX   customer. However, in the process I was told I would have to open a new account but my login information would be exactly the same as it was before, it would just be a new account number. I continued to pay my bills on time on the new account with no issue. Apparently there was an amount due on the old account but I had no knowledge or communication from XXXX  that there was money owed on the old account ( because I could not log into that account anymore since my login directed me to the new one ). I was never told there was an issue with my account ( no written letter, phone calls, emails etc. ) until it went to collection. I paid the collection but now I have a derogatory mark on my credit report that is affecting my ability to receive credit. I have told XXXX this issue and they do not want to help me. The collection agency was Diversified Consultants Inc. who have a relationship with XXXX.