davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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)

XXXX and Equifax are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX and Equifax that I was a victim of identity theft. XXXX and Equifax are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I need them to be held accountable & have the this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I had made a pre-payment for the purpose of setting up a flex payment plan. This payment was made on XX/XX/XXXX. The first payment from the flex plan was supposed to occur on XX/XX/XXXX. This was a bank holiday so I assumed it would occur on XX/XX/XXXX. It did not occur. I called the servicer on XX/XX/XXXX and they told me that they did not do what they were supposed to do and that if I want to be on this plan I need to pre-ay the loan again and then wait for XXXX for the flex plan to start. This is not what I was told would happen. No one working for the servicer wants to take ownership of this issue. I was put on hold for a half hour. A supervisor picks up, transfers me to another supervisor who hung up the phone on me. Now I am on hold again.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

Hello, Santander Consumer USA has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and Santander was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these  delinquent late payments that are on my account. To resolve this issue I would like Santander to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also Santander has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called Santander numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Consumer complaint received 2022-05-13
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. (PA)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-07
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have been trying to resolve a credit card issue with Fifth Thirds Bank since around XXXX, when someone fraudulently charged my credit card from XXXX  ( I live in XXXX XXXX XXXX Since then, they have stood behind a nebulous and archaic system of long hold times ( regularly over an hour ), phone transfers ( as many as four times before I can speak to anyone ), and claim denial - I initially had filed my claim as an incorrect amount because I had ( coincidentally ) bought something from the vendor who had charged me. The company listed the dispute as denied without ever looking at the name associated with the charge. I was asked to e-mail new information about the case to their disputes e-mail, which is apparently unused. They could not find my e-mail ( I've called twice about JUST THIS particular phase of my claim and been promised that I would receive a call back, but nothing was done ) despite my having followed the instructions for e-mailing a document. TODAY, I was told that I shouldn't use e-mail ( why do they HAVE an e-mail address then? ) Because I initially filed my claim as an incorrect purchase amount, the company has closed the chargeback claim and ignored everything that I have sent to them about this. At this point, the {$99.00} charge has cost me so much in time that it has turned into working for less than minimum wage to get it back. They have repeatedly promised to have investigators call me back and never did. They insist on things being faxed and " snail-mailed '' to them in a way that is clearly designed to insulate anyone who can make decisions on chargebacks to make it difficult for claimants to get their money back.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have resolved an auto loan with USAA for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed USAA have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as ofXX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type
Consumer complaint received 2022-12-31
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. (VA)

I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2021-02-10
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. (WI)

You can not dispute a problem on Line unless you agree to their '' term and Conditions '' This means you Accept their investigations, which do not exist and any response from the companies as '' certification '' s always accepted by the Credit reporting agencies ( the big three ) You can not invoke all rights and none waived ever. I tried to put this in my consumer statements. removed by them.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

I received a notification today that Northwest Collections added a collection account to my credit file for {$110.00}. It shows original creditor XXXX XXXX, which I assume is a medical bill? Ive never had any business with this original creditor and even if I did It would have been paid because I have HMO insurance which cover any cost at 100 %. I have a primary care physician thru my HMO. I have never heard of this collection agency either. I havent received any letters, nor calls. This is a bogus debt that needs to be removed immediately. Its very upsetting these people would try something like this during a pandemic
Consumer complaint received 2022-08-22
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. (CA)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/2021, I made a bill payment through HSBC 's online banking platform to pay my credit card with XXXX  for my full statement balance of {$780.00}. As noted on HSBC 's website, they have a " {$0.00} Liability, Online Guarantee '' which states that " HSBC will bear the responsibility for any late payment related charges should an online bill payment arrive after its due date as long as you scheduled the transaction within five business days of the payment due date. " : XXXX XXXX XXXX I selected the soonest available date on the bill pay calendar, which was XX/XX/2021. The due date for my XXXX credit card was XX/XX/2021. The payment did not arrive to XXXX until XX/XX/2021. Because the payment arrived late, I was charged a {$29.00} late payment fee and {$25.00} interest charges by XXXX. I don't carry a balance on my XXXX  card over to the following month, so I wouldn't have had interest charges incur if the bill pay would've made the payment on time, as promised. I called HSBC 's customer service on XX/XX/2021 to inform them about the fees. The reference number for my HSBC case is XXXX. It has been over 3 weeks and HSBC refuses to refund me {$54.00} ( {$29.00} late fee plus {$25.00} in interest charges ). HSBC claims the payment did arrive to XXXX  on time but they can not provide a tracking number to confirm this claim.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (FL)

XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.
Consumer complaint received 2020-01-15
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: CITIBANK, N.A. (VA)

I placed a dispute on a purchase on XX/XX/22 about a credit card purchase made where the product was not delivered, on XX/XX/22. I purchased an account for a virtual game service on XX/XX/22, and have no access to the account as of this day. I have not received the product that I paid for and have not been able to correspond with the company. I would like this to be remedied and get my money back. 

I can provide evidence of being unable to log in, but I have not gotten anything from them about how to correct this issue.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

This company has repeatedly harassed me after I have responded to them several times expressing that this is not my debt and did not open this account. It seems they bought this account from another company that previously I thought the matter had been resolved. I have sent them several letters requesting proof on how I supposedly opened this account but I get no response. Just several threatening phones calls and letters saying they were going to take me to court and seize my assets. This has been going on for several years through multiple agencies. I would just like this matter resolved and the harassment to stop.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, Transunion, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

My mortgage is with XXXX XXXX and their service company is LoanCare. In XX/XX/2021, I went into contract to sell my apartment and on XX/XX/2021, my attorney submitted paperwork for payoff. My apartment is a co-op apartment in XXXX XXXX XXXXXXXX, so the original stock and lease must be presented at closing in order to complete the sale. LoanCare told us they need 4-8 weeks to process the documents for payoff. We are now at the end of the XXXX week and they still don't have to original stock and lease documents for closing. My attorney and I have contacted them repeatedly by email and phone and they say the case is escalated but still open. I was also told that they now need 3 - 6 months to process a payoff, which is absolutely unacceptable, as the buyer of my apartment may walk away from this deal and I'll have to start the whole process over again. Typically, when the stock certificate and lease are lost, the attorneys will issue an affidavit of lost stock certificate and a new one is issued. This happens all the time, but LoanCare and XXXX are refusing to do this and unnecessarily prolonging the closing. Yesterday, LoanCare said they they mailed the original documents to their attorneys in New York on XX/XX/XXXX, but their attorneys say they never received them and there's no tracking number. So were the original documents really mailed or are they just giving me the runaround. This should be a simple real estate transaction, but it's turning into a nightmare for myself and the buyer. I would like to lodge a complaint again LoanCare and XXXX. Attached is my and my attorney 's correspondence with them.
Consumer complaint received 2020-10-15
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These errors include accounts Ive already paid off marked as unpaid and a few accounts that I dont recognize at all. These mistakes are driving my score down and affecting my access to better interest rates and financial products.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

XXXX we deposited a insurance check for XXXX Santander has been holding the funds since they cashed the check but would not give to us I spoke with the bank in person phone nobody can give me a forward answer I tried calling corporate there's no such thing they took the money out or acct XXXX said they were returned to maker XXXX still has not received and when I call they can't give me date and they just closed our accounts we are in a pandemic we need this money Santander is not giving it back I can't get answers bill are due I don't know what else to do
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to XXXX XX/XX/21 paid {$390.00} to XXXX