davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : Opportunity to cure dishonor. This will be CHRYSLER CAPITAL only chance to settle this matter before XXXX XXXX files suit against this company in XXXX XXXX. XXXX XXXX is agreeable to a lump sum payment of {$30000.00} to settle this matter. Please contact me on or before XX/XX/2022 for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX XXXX will file a lawsuit against XXXX XXXX XXXX XXXX XXXXXXXX XXXX and CHRYSLER CAPITAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violations costs ( attorneys fees for XXXX XXXX, CHRYSLER CAPITAL. Based on the foregoing, I accept payment in the amount of {$30000.00} made payable to XXXX XXXX, at my address XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX and send SATISFACTION AND RELEASE OF LIEN and report amount paid in full to my consumer credit report no longer than due date XX/XX/2022. I can also be reached at the email above If CHRYSLER CAPITAL decides to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to debtor. This letter serves as evidence that XXXX XXXX ' creditor has attempted to resolve this matter formally. 



1. Validation of the debt- that is, the actual accounting per GAAP XXXX 

2. Verification of your claim against me. A signed invoice or sworn affidavit. 

3. A copy of the contract binding both parties CHRYSLER CAPITAL and XXXX XXXX. 



1. I need full Disclosure. I was not told that I was actually creating the credit. 

2. Equal Consideration, CHRYSLER CAPITAL brought nothing of value to the table and CHRYSLER CAPITAL had nothing to lose. 

3. Law terms and conditions were based on fraud! 

4. The wet ink signature of both parties. 



Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation. Im a federally protected consumer, I will demand discovery and a trial by jury.
Consumer complaint received 2022-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a CD that became mature as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the bank involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The bank involved included : XXXX XXXX, maturity date : XX/XX/XXXX - {$1000.00} I have official copies of everything. Thank you for your help. 
XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (TX)

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX children and need this deleted.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late XXXX days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2018-10-30
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. (DC)

Parties Involved : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, IL XXXX Account Number : provided when requested Date open : XX/XX/XXXX Balance : XXXX Despite several written requests to Equifax, XXXX and XXXX XXXX XXXX, the unverified item listed above remain on my credit report in violation of Federal Law. 
XXXX XXXX XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I have contacted XXXX XXXX XXXX multiple times and was inform that my information DID NOT match what they had. Yet my social is tied to an account which I never retain services from and the debt was sold to a debt buyer so they are no longer responsible.I was informed they no longer have the account in dispute YET they still keep reporting as accurate to CRA 's even when requested documentation of validation was sent to them ... .. I receive no response As stated I wrote Equifax and XXXX of their method of verification and I received no response. 

Pleased help me!!!!!
Consumer complaint received 2018-10-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (TN)

1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 )  Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (FL)

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

Truist took over servicing of mortgage at the beginning of XXXX and I could not register online and setup autopay after all documentation received said to go online to register. Required me to call in and wait for over an hour for them to help me setup online account and was told online setup was not possible without calling them. 
Submitted payments at the end of XXXX and it took several days for any of them to be reflected online with confirmations or in account history so I submitted a few times. 

Upon processing all of the payments, payments were not processed as payments of principal. So even if paid ahead, they are not reflected as such and apparently interest is just being held for fun in advance of being due rather than being applied to principal. Spoke with Truist today XX/XX/XXXX and they said they don't care and will not apply any additional payments toward principal unless I specifically tell them so even if no interest is accrued. So if I pay my mortgage early they will not reduce principal and hold the payment UNTIL it is DUE and only apply it based on the payment schedule so effectively a prepayment penalty. 

That has never occurred in any mortgage that I've ever held and absolute XXXX.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Albert Corporation (CA)

This is an online ONLY debit card account is with The Albert XXXX debit card issued by XXXX XXXX for Copyright XXXX, Albert Corporation. The app is called Albert. 

I started this account XX/XX/XXXX. Have a rainy day savings of {$300.00} and want to close this card out and transfer funds to my bank account. Which is linked to this card. This company asks for verification of linked accounts. I provided two banks. My primary XXXX account was recently closed. I still have XXXX, but a different account number. I also linked my XXXX account. This Albert app is refusing to surrender funds. And continue going back and forth stating that they are unable to verify any of my bank information provided, six times already over the past month. I realized that these people are purposely withholding funds. There no solid way to communicate with them, other than the app, not even an email. When communicating via the app, I then receive a text message from some random individual in response to info from the app. Quite confusing. The text is the same information each time. It never changes it reads as follows : It looks like the statement we received doesn't match the bank account we're trying to verify. Please upload the correct statement. 

To re-upload your statement : Pull down on the home screen to refresh the app. 
Go to the profile tab ( ). 
Tap " Linked accounts. '' Tap " Action required '' next to the institution we're verifying. 
Tap " Upload statements. 

And the process starts all over again. Over and over. I then decided to look into the XXXX XXXX XXXX  and saw complaint after complaint. Yet XXXX  response was the same for all consumers. Below is the generic text response in XXXX XXXX XXXX from Albert : We've reviewed your concern and have identified we've resolved the issue directly via text. Please contact our customer support department by texting****************************************** Please assist in this matter. As I do not believe this company plans on returning my money. Plus they have now placed an unauthorized charge on my XXXX account. 

They obviously are covering themselves by making generic responses with XXXX
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (AL)

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX  WORD AND EXPERIAN TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX  ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: REPORTS, INC. (TN)

On XX/XX/25, Reports Inc started calling at XXXX XXXX and called 26 times in a row in under 1 minute. I have the screenshots of my call log showing where they repeatedly called over and over. This is absolute harassment!
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (GA)

My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX  XXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have XXXX or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. 

I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.