davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (TN)

My card ( Current ) was used fraudulent on many many different online charges.. I have contacted my bank on sever occasions and was not able to make a dispute because I did not at time have access to my online portal. I have since regained access and filed dispute they asked me several questions all of which I answered truthfully and correct. They have since denied my dispute saying that because card is in my possession they are not refunding my dispute. I have tried to contact them again thru messages emails and chat and always told same .. once they finish dispute all is final. There response was that because card is still in my possession that no error occurred. They was all online purchases thought. Please help. 
List below are fraudulent charges that was used on my account all are online purchases XX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (FL)

I received a letter stating that my savings account has not been used in an unspecified period and the bank was going to have to turn the funds over to the state in 45 days if there was not activity or if I did not return the letter signed that I wanted to keep the account open. This savings account is linked to my checking account and only used as over draft protection. It is also part of my online banking. 
When I went on line to move funds from checking to this savings account I found that this savings account was no longer listed on line. I then called M & T Customer Services and after a significant hold time the customer service rep said she could return the account to active via a hardcopy letter or electronically via XXXX. After multiple attempts to get XXXX to accept my ID the document was approved only to find out that M & T had move my account from dormant to another category that they have and they would only reactivate it after receiving the hardcopy letter. 
Essentially they have frozen my funds via an M & T procedure. As I had been on the phone for 55 minutes I asked to speak to a supervisor. After 10 minutes of discussion the supervisor was no help and said that they would not reactivate the account electronically via a scanned document or XXXX or any other way except the hardcopy letter via US Mail. My funds are frozen. I could go to a M & T Bank that is 176 miles away but I am not sure that would help. 
I do understand that inactive accounts must be turned over to the state after a specific period of inactivity but this was a linked account to a very active checking account. Also there was not reason to move the account to inactive and take it off the electronic system making it impossible for me to make a transaction.
Consumer complaint received 2021-04-08
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: Optima Recovery Services LLC. (TN)

After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical information.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been corresponding back and forth with Bank of America since XX/XX/2021 on an auto loan that was fraudulently obtained in my name. I have disputed this account numerous times with all 3 credit bureaus and each time Bank of America responds '' account verfied ''. I requested Bank Of America send me a method of verification and a validation of debt which they have refused to send. I have certfied mail with return receipts of correspondence with Bank Of America and the fraudulent account to which was never resolved.Under FCRA, By law, Bank of America is to follow procedures concerning fraudulent accounts to include providing consumer proof of debt ( validation of debt ) and the methods used to verify the debt.Bank of America was supposed to cease reporting this debt when i reported that it was fraudulent, instead Bank Of America kept reporting this debt as charged off on my credit report.On XX/XX/2021, Bank of America removed {$14000.00} from my account for this fraudulent debt that was never resolved.I 'm demanding Bank Of America put the {$14000.00} back into my account and remove the negative reporting from my credit report as Bank of America has not proven this is a valid debt and they had 30-45 days to do that.Under FCRA, if they have not proven a debt is valid, they can not report or collect on said debt.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (TX)

my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-02-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DE)

I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hi CFPB, thank you for your help in advance. Starting XXXX, 2021, I started to contact debt collector Portfolio Recovery to settle debt. Attached is copy of their email for lump sum settlement amount. This amount is already paid. The money already cleared from my bank. I disputed this with the credit reporting agency XXXX. I checked today XXXX. My credit report has been updated INACCURATELY. Portfolio agreed to accept less than the full amount to satisfy the full amount of debt but they are reporting my debt only paid 50 %. Therefore my report still indicate that I still owe 50 %. This is not what I agreed. Also, my understanding is that Portfolio will remove the tradeline from my credit report. So not only is Portfolio reporting this account inaccurately, they are still reporting it. This inaccuracy is harming me and my family. I am unable to co-sign for my kids ' student loans because of this inaccurate derogatory account. Please help me correct this. Thank you.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX/Experian/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXX/Experian/XXXX  lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, XXXX, and Transunion. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; XXXX OF EDXXXX XXXX Balance : {$450.00} ; DEPT OF EDXXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (SC)

We consulted with Pulte Mortgage for a rate. Pulte offered us a rate lock of 2.875 % with 1 % in points on XX/XX/21. We agreed to this, until we shopped around and received an offer of 2.75 % with XX/XX/XXXXpoints from a competitor on XX/XX/21. Upon receiving that better offer we sent the competitors Loan Estimate to Pulte Mortgage in which they responded they would do a rate lock of 2.75 % with 1.5 % in points because they give us {$7500.00} off purchase price. After pointing out that even with giving us the {$7500.00} they still did not beat the competitor we received an email with a new Loan Estimate from Pulte Mortgage on XX/XX/21. In this new Loan Estimate Pulte Mortgage gave us what we were asking for and believe was fair, a rate lock of 2.75 % with XX/XX/XXXX points. We signed this Loan Estimate with that rate lock and sent it in. A couple days later on XX/XX/21 we received a phone call saying that there was a computer error and they refused to honor the legal document they sent out and we signed. We could not talk that night and so we finally talked the next day on XX/XX/21. That day they stated that they were not only going to not honor what we signed anymore, but they were going to terminate our loan paperwork that we had sent in already and start completely new. We said no we did not want them to do that and requested to speak to his boss. The next day on XX/XX/21 we went to sign into our mortgage website with them and all of our documents were completely deleted and wiped out of the system. The boss of our mortgage lender then called us that day and confirmed they were refusing to make good on the deal they had sent out and we had signed already. She stated they would only offer a deal that still had us paying for points, which not only was not the Loan Estimate that we signed and sent in, but it was not even beating the competitor anymore. We feel that this was unjust and purposefully deceptive. We believe they deliberately underestimated the terms of the Loan Estimate to have us finally sign the paperwork, as we had never signed previous to the 2.75 % with XXXX points. We feel they mislead us by a bait and switch tactic in claiming there was a computer error that they refused to honor after we signed. You can see the 2.75 % with XXXX points listed on multiple documents that we signed as attached and then the phone recordings we have once they refused to honor it.
Consumer complaint received 2021-04-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NJ)

My Account is in Active Forbearance due to COVID-19. I am scheduled to come out of forbearance in XX/XX/2021 but Flagstar is continue to report that I owe property taxes. I am a 100 % XXXX Veteran and do not have to pay property taxes. I want to make sure that when I go back to making payments, that they adjust how much I really owe because if not, then it is going to cause a lot of problems.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2021, I went to use my debit card at the store and it didn't work I thought it was the chip on the card that was broken, so I went on the app to check the account to see about the funds on my account and I couldn't access the account they had closed my account without telling me. I called them up at that time, and they told me that I should get the notice of the closing of the account in a couple of days, now I have money in that account and a deposit that goes in every week from work. I have bills that I need to pay and now I have to wait 2 week for them to send me a check and I can't even access my statements to know what has been declined because I don't have that account anymore, and my paycheck I don't know how im going to get that money and have to wait for me to get an account somewhere else so I can have it deposited.. please help me I have bills to pay and need gas to work.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

We have spoken to both American Express and the merchant, XXXX, on numerous occasions to attempt to correct this issue. We purchased an item through XXXX, and returned the item. Tracking information for the return was presented to both XXXX and Amex, and there is no dispute that the item was returned, to our knowledge. For some reason a charge, reversal, and a second charge for the item appears on our Amex statement. So, in essence, we are being charged for the item even though it was returned ( second charge for same item ). When we contact Amex, they tell us to contact XXXX. When we contact XXXX, they tell us to contact Amex. The amount of the charge is {$290.00}. If the amount were small, we would have just let it go at this point because of the hassle. Unfortunately, the amount is sizable, and we want the amount credited to our Amex account. ( Again- no one is claiming that the item was not returned. They just can not help us with the faulty accounting / secondary charge to the account for the same item that has been made in error, and apparently no one at Amex is willing to do the research to correct it. )
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I used a moving company that charged my card for a lot more than the agreed amount. I notified my bank, and disputed the partial amount of {$260.00} that I was overcharged for. I did not have paperwork, as I was told it would be emailed to me. It was not. They did not remove the amount, even though I did everything I was able. 
I would like to note that out of the thousands of transactions I have done with my card, I have only disputed XXXX transactions. XXXX. The other I had a nightmare with, and I had actual documentation! They do not listen or actually take in account what is told. I was also hit with NSF fees due to this money being pulled back out of my account. I was overcharged and I want my money back.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-07-19
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. (MO)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;