davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is attempting to collect on a debt I do not owe. I did not know that they were trying to collect on this debt until I checked my credit report. This debt is not mine and I demand they provide proof with something baring my signature. I have not received any documentation on this debt. I did not receive my 30 day right to dispute, and it has already been added to my credit report. This is in clear VIOLATION and should not be on my credit report.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (TN)

On this month, I reach out to Carmax auto Finance about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of Carmax working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Following is the email I sent the XXXX  of Fifth Third Bank. No response from the bank. 

XXXX XXXX I know you are busy. Having led a business for many XXXX before retirement, I don't often write XXXXXXXX XXXX. 

I deposited XXXX XXXXXXXX with your branch in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The check cleared my bank in XXXX XXXX XXXX XXXX. I needed access to those funds while in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Banker told me there would be no issue getting access to funds via a cashier check anytime I needed .... " just come to the bank ''. 

I returned to the bank on XXXX XXXX and was told my account was " on hold '' until XXXX XXXX and to take a screenshot and send proof the check I deposited had cleared. And " holding '' accounts for this amount of time was common practice. I sent the screenshot. Your banker didn't reply because he left early for the XXXX The next XXXX there was no response so I called the XXXX XXXX and was told the banker would call me back in XXXXXXXX XXXX No call back. I did receive an email from the banker indicating funds were still on hold. 

XXXX XXXX I spoke to XXXX of your phone reps and was told my funds were still on hold until XXXX XXXX for " confidential '' reasons ... .. what? I'm a retired XXXX XXXX. XXXX and a successful business owner as well .... Why would my funds be on hold for a check that cleared my bank XXXX XXXX XXXX? Why wasn't I told about this process when I opened the account instead of being promised immediate access via a cashier 's check? 

This experience has been horrendous across-the-board. 

If this is how preferred clients are treated I hate to XXXX how your bank associates deal with " non-preferred '' accounts. 

Thanks.
Consumer complaint received 2021-04-02
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. (NY)

This is my second time contacting Transunion about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.
Consumer complaint received 2021-01-25
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. (NC)

File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household
Consumer complaint received 2017-09-15
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: EQUIFAX, INC. (NY)

I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I filed a complaint about Bank of America holding a deposit for XXXX ( XXXX ) days ; therefore delaying payment on my credit card, thus causing late fees. I called they refused to credit or waive any late fees. Now, in response to my complaint they keep sending your agency a status report that they need more time, which incurs even more of a late fee, and derogatory credit reporting on my behalf. Their practices are corrupt and manipulative causing their consumers to suffer.
Consumer complaint received 2023-01-11
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. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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
Consumer complaint received 2023-01-11
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. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from one credit reporting company but not the other, another car debt the balance is wrong
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AZ)

incident # XXXX XXXX  took my payments didnt post to my account, then transfered me to a XXXX  who proceded to argue with me and never post teo payments that i callled in to make which i can prove i had the funds in my account. Then the next day or so i got a notification from experian that my payment was 90 days late which was not correct due to reps mishandling and unethically trickery on my acct. 

That was the second time since XXXX that they did that to my account and was notified that my payments off XXXX wasnt posted thay have tried repo my car after the XXXX  didnt post my payment
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I told them I have never used any of these credit card and asked to dispute these charges because I never used them and I was unaware about this credit card because I never used it at all. I want to remove this credit card off because it is messing up my credit report bad and in need it removed.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (OH)

At lease origination, my contractually-documented residual value was determined to be {$19000.00} for my 2020 XXXX XXXX XXXX 

At the end of my lease, my account was debited for an extra lease payment because Chase XXXX does not stop charging automatically at the end of the lease term and it is the responsibility of the customer to manually stop payment set up in their system. When I called to report the overpayment, I was told by Chase customer support that this amount would be used to reduce the payoff amount on my vehicle. 

I was charged {$420.00}, which should have reduced my payoff to {$18000.00}. 

I was told to pay {$18000.00} to purchase my vehicle after this extra payment. This is a difference of {$90.00} that was taken by Chase with no explanation.
Consumer complaint received 2023-01-11
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. (SC)

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 15 USC 1681. 

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 an 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.
Consumer complaint received 2021-04-02
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: Crown Asset Management, LLC, Duluth, GA Branch (NY)

Crown Asset Management , LLC XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$520.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product. And Crown Asset Management , LLC has no right to buy or purchase fradulent credit card deliquent balance from another company and use such against me by allowing such to be placed on my credit file. XXXX sold this fradulent accont to Crown Asset Management , LLC on XX/XX/XXXX, XXXX ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Crown Asset Management , LLC must submitt proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

This Home Depot credit card account as a authorized user was removed from my credit report. But the hard inquiry from ( CBNA ) Home Depot was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my XXXX  credit report, to be removed as well. Just as the account was removed by Home Depot credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (FL)

Due to insufficient due diligence, Affirm helped to finance a XXXX XXXX XXXX XXXX XXXXXXXX, and has direct liability in this issue since it was helping to XXXX  XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. 
We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. 
However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. 
Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. 

At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. 

This is yet another reason why the CFPB needs to have better oversight over the XXXX XXXX.
Consumer complaint received 2021-09-19
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. (TN)

I signed up for credit repair which turned out to be a scam. Naturally, the individual who was supposed to be helping me to repair my credit had access to very sensitive information, including my social security number. The person alleged they were signing me up for a secured rewards card, when in fact, they applied for the XXXX Card ( which only offers a small cash back rewards incentive ). Apparently, a dupe was made. I discovered this was not the aforementioned card when it appeared on my credit report as and inquiry and with a balance I was not aware of. I have not been able to reach this person in over a month regarding this matter and others and I have been unable to file a police report. I have disputed this with Experian but they were unwilling to remove the information from my credit report, while the other reporting agencies did. I have also contacted XXXX. This is my last recourse. Additionally, I have frozen my three credit reports so that no further accounts can be opened in my name until this is resolved.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

My son attended XXXX XXXX of XXXX XXXX - XXXX. He attended XXXX for his XXXX  and was told to look into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We spoke with admissions counselor and they gave us high percentage of students that graduated obtaining immediate employment upon graduation. During his 4 years he was told he was not eligible for scholarships, although his grades were XXXX XXXX XXXX, he took out several loans to pay for his education. Each time it came around to pay tuition we were told that I had to apply for a Parent Plus loan, although I knew I would be denied because of a recent XXXX. In XXXX I was approved for {$7000.00}. We did not need as much but we borrowed XXXX extra to purchase a car for him to get to school and for computer and supplies. I electronically signed the XXXX unknowingly and without explanation that this type of note allowed for withdrawals up to ten years. It made no sense because I still had to apply for PLUS loans each year. It was never really explained to us why, and my son ended up with over $ XXXX in student loan debt. My little Parent Plus loan is now XXXX XXXXXXXX. I have tried for XXXX XXXX to get help from the school financial aid officer, after leaving multiple messages and getting runaround I consolidated although I did not agree with the amount owed. 3 different loans. The documentation I did find on XXXX website has two XXXX  but one lists incorrect name as student with my son XXXX. My XXXX amount was more than my car note, I only made XXXX XXXXXXXX XXXX  with housing abd other debt. I tried paying that until I get sick and went out on medical leave in XXXX and again in XXXX. I finally made the decision to XXXX  XXXX XXXX to try and pay towards the balance but it is not discharged. Once I was discharged it began reporting open with XXXX XXXXXXXX balance and counting, dropping my score XXXX points!! I now understand the school is closed, my son worked with an attorney to address his student loans. Parent PLUS loans are rarely eligible for forgiveness. I was taken advantage of being ignorant to student loan lending by XXXX XXXX XXXX XXXX and so was my son. He just wanted to obtain his XXXX XXXX and I wanted to support. We thought loans were our only way and were never offered alternative grants or scholarships. 
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