davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (CA)

I have recently been a victim of identity theft and have been trying to fight it since. Someone, I don't know who, stole my personal information and used it to open a line of credit with a credit grantor. I don't know how this thief got ahold of my personal information but I have not given my information out to anybody nor have I authorized anybody to open it for me. The account opened by the thief is called " XXXX '' The day it was opened was XX/XX/2020 and the Balance is {$0.00}. I have tried to get this account blocked and deleted off my personal credit report as advised by the credit grantor due to my situation and I've has no luck. I am neglected even though I studied my rights and have provided all the valid documents as stated by the Fair Credit Reporting Act.
Consumer complaint received 2021-11-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (LA)

I XXXX XXXX XXXX, entered into a consumer credit transaction with CHRYSLER CAPITAL on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CHRYSLER CAPITAL took cash. The finance charge is suppose to include insurance, but CHRYSLER CAPITAL made me purchase insurance separately. CHRYSLER CAPITAL is in violation 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 

Pursuant to the provisions of the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635, I hereby rescind the above-referenced loan, due to violations of TILA, including but not limited to the unlawful failure to give timely and proper notices required under TILA. 

With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23 ( b ) ( 5 ) to rescind the above referenced Auto Loan. The Truth in Lending disclosure statement was defective for the following reason : CHRYSLER CAPITAL is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge is suppose to includes insurance which protects the creditor against the obligor 's loss, and property damage. CHRYSLER CAPITAL did not include my insurance in my finance charge and made me purchase seperately. 

CHRYSLER CAPITAL is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. CHRYSLER CAPITAL in fact took cash as shown in the attached exhibits. 

CHRYSLER CAPITAL is in violation 15 USC 1611. CHRYSLER CAPITAL willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable. 

Pursuant to 15 U.S.C. 1635 ( f ), my right to rescind this loan extends for three-years as a result of this defective Truth in Lending disclosure statement. This rescission notice has been sent to you within that time period. 

Please be advised that your security interest on my vehicle is now void per 15 U.S.C. 1635 ; Regulation Z 226.23 and you have twenty-days to return all of the payments I have made on this loan and to do your part to terminate the security interest on my vehicle, terminate loan and also as remedy pay the attached invoice for violations of federally protected consumer laws prasuant 15 U.S.C. 1601 which includes double my finance charge which you are liable for, I need my title lien free, and my vehicle returned, also I REVOKE and TERMINATE any and all POWER OF ATTORNEY that was given during the consumer credit transaction.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

This complaint serves as a follow up request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX claims they received this account from XXXXXXXX XXXX. I have worked with XXXX for several months, but this account did not originate with XXXX. It was transferred through a merger of services from Comenity Bank. 

The account was fraudulently used by someone else, and unbeknownst to me, a claim was filed with XXXX XXXX, which is why the company is not sharing the originally requested documentation. I have been held hostage by this company for several years, and the latest report from portfolio recovery is that they are labeling this account with all bureaus as self-reported. 

XXXX XXXX has since committed a hideous but criminal activity by reporting an account as a credit card and opening a balance when the account is charged off. This company has recently updated the credit bureau with a payment history of late every month, but I do not have a signed agreement with XXXX XXXX. Please see the attached information, which was done in XXXX by XXXX XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CA)

On XX/XX/2024, First Credit Services reported a debt to XXXX. This debt is false as the originator reports there is no due balance. Also, First Credit Services failed to call, email, or mail me about any debt. They have not sent a validation notice either. However, they reported the debt to credit reporting company. XXXX XXXX sent me a notification about this report and I have called First Credit Services and they continue to provide other numbers. They also requested SSN over the phone and when I refused, they terminated call. This appears to be a scam as the originator is not reporting a balance.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-06-16
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: Express Recovery Services, Inc. (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (DC)

This compliant is on Netspend deliberate failure to apply advertise interes rate ( refer to Addition 2, 3.02 %, 4.91 %, .49 %, Addition 3, 12.37 %, Addition 4, 5.00 % to .72 %, Addition 5, 5.02 %, 4.91 %, .49 % ) apply applicable amounts on interes, concealment and false advertisement. Netspend advertise even as of XX/XX/XXXX that is Savings Account Interes rate is 4.91 % with and APY 5.00 % on balance under {$1000.00}, and .49 %, APY .50 % on balance exceeding {$1000.00}. That APY would range from 5.00 % to 0.72 % ( refer to Addition 4 ) depending on the balance on Saving Account, In addition Claimant account receved 12.37 % Annually on balance {$1000.00} and above, Refer to Addition 3. Even after applying Netspend fluctuating rate into calculation .502 %, XX/XX/XXXX to .302 % XX/XX/XXXX Netspend amounts applied {$2.00} to {$9.00} is not only not suitable payments it is far below applicable amount base on compound yielding formula. Formula on calculating daily/monthly/quarterly interes is simply divide the daily/monthly/quarterly interes rate by 12 months. The total number of periods is calculated by multiplying the number of APY by 12 months since the interes is compounding monthly. Another Netspend contradiction is yield computation is on 2 % ( {$1500.00} ) purchase Claimant got reimburse {$31.00} ( XXXX ), at another purchase 10 % ( {$27.00} ) Claimant got reimburse {$2.00}, ( BOA ) and on another got reimburse {$15.00} ( XXXX ) on {$1400.00} purchases calculated at .01 % ( {$1300.00} ) and .02 ( {$110.00} ) So on deposit balance {$5100.00} that is 3.26 times more than {$1500.00} and 3.5 time more than {$1400.00} how can {$5100.00} balance in three months attract only {$17.00} ( even at adding recent courtesy offer XX/XX/XXXX {$50.00}, sum {$67.00} ) Addition 1, and {$1500.00} and {$1400.00} within a month attract {$31.00} and {$15.00}. Complainant is asking {>= $1,000,000} from Netspend based on not adequate notice, not due concealment, value to time, not applying applicable formula, fiduciary breach and trend found to not suitable interes payments ranging from {$2.00} to {$9.00}, XX/XX/XXXX to XXXX, XXXX. That even after Netspend XXXX XXXX, affirm 12.37 % annual credits, XXXX processed {$990.00} on the annual credit, XXXX send the notice on 12.37 % annual credit and XXXX affirm calculation on applicable formula tabulation these later NETSPEND employees including XXXX that recently offer courtesy {$50.00} and argued afterwards, XXXX and XXXX XXXX argument to the contrary on what was already agreed and advertise comes out deliberate and complete violation to FCC Truth to Advertisement Clause.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (VT)

I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I am a co-signor on a student loan. I received a phone call on Thursday, XX/XX/XXXX from a representative with Navient. He did identify himself ; however, I let him know that I am not able to pay this loan for this student at this time and whatever steps Navient needed to take, knowing that information they should take them. I asked him if he has spoken to the student and he said no and I asked why and he stated they can't reach her. I again ask that he not call me further and that I am unable and unwilling to pay for the student 's loan. He got aggravated and raised his voice, stating that I didn't have a choice in the matter and that I am responsible. He told me in a threatening tone that he would be forced to take action against me. I was at work during this phone call. Later that I evening I received an email at my work email requesting an employment verification. I am not sure what my rights are here, but I felt the call was very aggressive and threatening.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting act 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 XXXX  # XXXX XXXX XXXX # XXXX US Department of EDU # XXXX US Department of EDU # XXXX DPT EDXXXX # XXXX EDFIN/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 2021-11-04
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. (OH)

XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights.

They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One issued a credit card under my SS # on XX/XX/15. I would have been XXXX-years old at the time. I did not apply for this card and was not even old enough to legally have a credit card. Capital One did not perform their due diligence when approving this card. Capital One then sold the debt to XXXX XXXX XXXX. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from Capital One as the seller. This is not a valid debt. This all started due to the negligence of Capital One. They will not help since the sold the debt and XXXX XXXX XXXX is ignoring the fact that I was XXXX-years old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (FL)

Applied XXXX XX/XX/2024 & only got this message We're reviewing your application for the XXXX  XXXX Visa Card from wells fargo under ref # XXXX. I had Applied for the XXXX XXXX Visacard! 
On XXXX XXXX called them & XXXX said they couldnt verify my cell phone number & needed to fax them drivers license & 2 forms of id with my address. Same was sent same day from XXXX XXXX XXXX XX/XX/2024 for a total of 5 pages plus verification fax number sent to under fax confirmation XXXX. 
XXXX XXXX received in mail yesterday a pre-approval to apply for a wells fargo visa card that is not the card I applied for. Called them at ( XXXX ) XXXX & talked to some girl who verified sent my proof of address to correct fax number on XX/XX/XXXX. She said they didnt have it and did NOT receive my fax! So I can not understand why got pre approved request to apply for visa card the day before I calked her??? She said I must resend proof. I am not fond of being jerked around. 
XXXX XXXX am sending the original documents plus again my drivers license, and real estate assessment, voters ID card & several other items with my address through my mobile cell XXXX. ( landline to home is XXXX ). I have also updated my cell information at XXXX XXXX. 
Told them I either want the original card applied for or an official letter of denial. Keep in mind my XXXX score remains within guidelines for said card. My credit is excellent to good. 
On XXXX XXXX received letter from Wells Fargo sent to my mailing address dated XXXX XX/XX/2024 stating that now they want me to go to a Wells Fargo Branch location to again provide ID. This is unreasonable as the nearest branch office is over 40 miles from my residence. I am nearly XXXX years & that puts an undue burden on me. Beginning to feel discriminated against regarding my age. 
Sent them a FAX today from my cell number XXXX to advise of same. Either grant or deny the original credit card as have already provided ample ID and do not need your card bad enough to drive 40 miles so they can look at my face as ample IdD has been sent on more that one occasion. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (CO)

I have done everything in my power to communicate with the school the debt originated from to update contact info, they refused and different individuals repeatedly dropped the ball on updated my info during Covid. I left the state to travel for work in XXXX  systems and I tried calling to have them update my phone number and address and a personal email address. Nothing was updated and they sent the account to collections summer of 2021. So it had been about 6 months until they sent it out to a third party collections agency. I have tried paying and have been paying on this XXXX debt which is now up to XXXX dollars and I have offered to settle it and I have been repeatedly called during work hours when I have stated many times what forms and hours and days of communication works best for me. They continue to defy that knowledge and call during work hours and when I call back on my days off they do not answer now get back to me. I send countless emails since emails work best for me. XXXX XXXX XXXX XXXX XXXX XXXX I can not just simply answer my phone. Im a loss and Im ready to hire a lawyer. I told them I would do two lump sums and the school agreed to that. They agreed to XXXX and I told them to take out XXXX and they have not processed my payments nor gotten back to me regarding this. Please help.
Consumer complaint received 2024-03-12
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: ALLY FINANCIAL INC. (AL)

I was recently denied a dispute with Ally Financial. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code
Consumer complaint received 2022-06-16
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: DISCOVER BANK (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TN)

I have been trying for months to get paypal to verify my XXXX account. All I keep seeing is that it will happen in 3 business days but then it says I need to resubmit my info. I do this and still nothing happens. I need someone with a quarter of a brain to help me because they have XXXX customer service options and just ignore you as long as they get their money.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I just received the bill from you about this account and the company I have never had an account with them at all and don't know where they got my information at all. I would like to have it investigated to where it can be taken care of and my name be removed.