davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA at XXXX XXXX XXXX, Forth Worth, TX XXXX or XXXX Hello, I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything from the bureaus XXXX XXXX XXXX XXXX and Santander Consumer USA. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me XXXX  Deleted the account. I have mailed several certified letters & signature return receipts, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature starting on XX/XX/XXXX - XX/XX/XXXX. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery confirmation will be Included.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 The Credit bureaus stated 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, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

My mortgage was with XXXX XXXX for about 13 years, then they sold it to Rushmore Mortgage Company. Rushmore falsely claims in a statement of theirs that I did not pay my mortgage XXXX XXXX XXXX and XXXX of 2021 and I did so. XXXX XXXX had my mortgage at that time, Rushmore did not receive my mortgage account until XX/XX/XXXX of this year. They reported this to the credit bureau people and now I have a bad credit score. I was just ready to refinance in XXXX and now I can't because of this.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (UT)

My original loan through BMO Harris- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is XXXX. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the BMO Harris number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (MN)

NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/2022 NATIONWIDE RECOVERY has placed a medical collection on my consumer report without my consent. I have not receive information that I could have disputed this debt. I saw it on my credit report and asked for validation and they have not provided the information requested. They have also refused to send letter of HIPPA release of my information which is against the law. I have not received any validation from National recovery. They have violated my consumer rights.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Why do you keep in reporting this fraudulent accounts in my credit report under TRANSUNION Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my request, It appears you are also abusing your power under the FCRA to escape a complete investigation. 

Here again is the fraudulent accounts that being reported : XXXX  account # XXXX bal is {$0.00} I'd like to request that you proceed with my original investigation request and send me the results within 15 days. As a result, I will legally and legitimately deny your " form letter, '' giving you only 15 days instead of 30.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXXXXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and XXXX days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.
Consumer complaint received 2022-01-14
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

The last months rent was paid and the property owner kept the security deposit. The amount owed certainly isn't a rent payment so it must be that the owner seems to think that the cost of repair to the unit was greater than that of the security deposit. If this is the case then I want itemized receipts showing what was done and by whom which were never provided, and the records of my payments to you and the security deposit amount. Only now that it is on my credit am I aware of these charges. This method of business is certainly not one that leaves you in very good standing with your tenants.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I was trying to buy a grill for my husband 's birthday at XXXX when I saw their app showing a special saying, " Get {$75.00} with a new Apple Card. When you spend $ 75+ with Apple Pay at XXXX XXXX stores, online, or directly from the XXXX XXXX app. Must open by XX/XX/30 '' I thought it was a great deal and applied for the Apple Card. I was immediately approved. I bought the grill ( {$590.00} ) and was happy to get {$75.00} back. After a couple of weeks, I didn't see the credit reflected in my account, so I contacted Apple Card customer support. On XX/XX/XXXX, the specialist XXXX said they opened a dispute for the {$75.00} after I explained the situation and sent the screenshots. I never got any answer. Last Friday ( XX/XX/XXXX ), I contacted them again, and the specialist XXXX said they couldn't see any dispute in my account. I feel extremely disrespected because I should never be wasting my time fighting for something that is my right since I followed all the instructions and did all steps for this special. It's ridiculous, and I would NEVER have opened an account with Apple Card if it wasn't for this {$75.00} bonus. I had multiple chances before and didn't even consider it ; this was the first time because I thought it was a great deal and opened one just because of it.
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (GA)

Affirm.com allowed my account to be hacked into. I once did have a valid one time line of credit with Affirm.com, but I paid it off in full. On XXXX someone used this should-of-been-closed Affirm account too buy laptop and micro wav at a XXXX. My XXXX XXXX  was getting ready to debit {$140.00} in my XXXX XXXX Account, but I was able to put stop payment in place. Affirm.com told me the account was hacked and gave me a XXXX XXXX  link where it started. I begged Affirm.com to shout down my old account yet it remain open. On XXXX the same day issue came to light I opened dispute case in this matter with Affirm.com, and they claimed they would email me a reply within a week. To this day Affirm.com has not gotten back with me. I managed to view a copy of my credit report and there's no record of any new line of credit with XXXX of Affirm.com! But someone is still trying to reenable my bank auto bill pay on this hacked XXXX issue! Call Affirm.com few time more, but they will not confirm account legally closed! Also when I opened my real Affirm account for credit on a watch at XXXX & XXXX I made one extra payment before it was due but I never saw credit for extra payment at payoff time. I want account closed and balance due me.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information
Consumer complaint received 2022-04-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX  Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2020 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry from XX/XX/2020 Credit Unions XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX   Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX  XXXX  Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX  Auto Financing XXXX  XXXX Inquiry from XXXX  XXXX, XXXX  Auto Financing XXXX  XXXX  XXXX Inquiry from XXXX XXXX, XXXX   Auto Financing XXXX  XXXX  Inquiry from XXXX  XXXX, XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX  Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-08
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 was in a covid XXXX program with XXXX XXXX  that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX XXXX  is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I recently applied to refinance my home mortgage in XXXX of XXXX. After waiting about a month for Sun Trust to contact me, I re-contacted them and explained that I was interested in refinancing 2 loans on my primary residence - XXXX XXXX XXXX. Both are with Suntrust, and I have done business with Suntrust for over 15 years. Both mortgages are at approximately 6 %. 
I explained my situation to Suntrusts loan agent, XXXX XXXX. My oldest daughter is a rising senior, and if possible, I wanted to add a XXXX, XXXX home equity. That was not essential - the main thing was to refinance my 2 loans that Suntrust already held at a lower interest rate, as promised in multiple mailers I had received from Suntrust Mortgage. 
Instead, I was told I had to add a {$95000.00} loan associated with a rental property of mine. I also had to immediately complete my XXXX taxes by XX/XX/XXXX, ( this was in early XXXX ) even though the Federal deadline wasn't until XX/XX/XXXX. I was also contacted by the underwriter, XXXX XXXX, and provided all documents he requested as well. 
I was charged approximately {$490.00} in fees and almost immediately after my bank account was debited, I received a mail notice from Suntrust that I had been denied my refinance. I attempted to contact the phone number on the rejection notice and was placed in XXXX XXXX ' voicemail. My call was never returned. 
I feel that this was a complete bait and switch. I am a veteran and have paid both mortgages every month for the entire life of the loans. To withhold a refinance for a longtime loyal customer like myself is not just poor business, it is morally corrupt. I would like my fees returned - my home was never appraised, and my understanding that was a large portion of the fee.
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA has violated the Fair Credit Billing Act by providing contradictory dispute terms. An employee confirmed there was no time frame by which a dispute must be filed, yet when I filed disputes the company refused to review my supporting documents and began closing the disputes in favor of the merchant. It has been over 3 weeks and they have ruled on dozen 's of charges without even glancing at the supporting documents.