davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM XXXX XXXX. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I purchased a set of tires online from Goodyear using their brand of credit card in XXXX. Because of covid I dropped off the car at the tire shop designated by Goodyear, XXXX XXXX. The charge was for four tires and included installation. Shortly thereafter I was travelling on a very crowded 2-lane road and could not control the car due to swerving, which was very dangerous. I pulled in to the nearest auto tire and brake shop ; XXXX XXXX, as it was too dangerous to try to return to XXXX XXXX. XXXX diagnosed the problem after extensive testing as over-pressurized tires, 40 psi rather than 30 psi, when XXXX XXXX installed the tires. XXXX charged {$170.00}, which was put on dispute with Goodyear. I am a XXXX old woman and would have no understanding of tire pressures or anything automotive. Goodyear was apprised of all this but says I should contact XXXX XXXX to resolve the dispute. However credit card disputes are not to be resolved in that manner, if XXXX XXXX provided faulty service the card issuer is to resolve the problem.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

After I was denied a loan modification I submitted a short sale. The offer was {$370000.00} see attached proof. The appraisal was {$400000.00} completed by Fay Servicing, see attached proof. Fay counter offer was {$500000.00}. We have been going back and forth and they are not helpful at all. They even are refusing to order a new appraisal, as this one is almost 6 months old. 

The number 1 complaint is this appraisal was done by Fay Servicing and it came in at XXXX. The counter offer of XXXX by fay servicing shows that they are not working in good faith and they are just looking to foreclose and own the property. I do not believe they are aware that in today 's market if they got XXXX after a foreclosure they would have spent 1+ years of maintenance, taxes, insurance and loan up keep, which would bring their total net amount much lower then they are getting on the short sale.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a credit card but no bank accounts with Bank of America. On XX/XX/22 I received an email that said I tried to open an account but that they were unable to open the account and I need to go to a branch to provide identification ( I expressed no interest in an account and hadn't been on their website in a year ). I did not see the email right away and then received a second email XX/XX/22 stating my application was approved and an account was opened. I tried calling their customer service to investigate but they were no help. They would not tell me any details about how or who ( at the bank ) opened the account. They finally opened a fraud investigation at my request but have not provided any updates.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (GA)

I am the co- borrower on our mortgage at Shellpoint Mortgage Servicing XXXX In XXXX the mortgage was removed from my credit report. in XXXX it was placed back on my report. XX/XX/XXXX, It was removed again. Each time this happens my credit score drops XXXX points., I have contacted the mortgage holder by phone & online as instructed by the lender. I have not heard anything back from the lender. Theres at least 4 years left on our mortgage. This is so frustrating as im trying to keep my credit in good standing to make a large much needed purchase. 

My spouse hasnt had it removed from his report. So thats very confusing.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I do not owe this debt. They are trying to collect a debt that is not owed. I never received note of the debt and fees. I also have proof that was sent this not owned. I have called sent several emails. I also have voicemail saying I dont not owe this. This needs to be removed immediately.
Consumer complaint received 2023-06-02
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told XXXX, XXXX and Equifax to reinvestigate these accounts : 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 XXXX XXXX All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( XXXX, Equifax and XXXX ) are not in compliance with Metro 2 standards, the standards that they themselves created!
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/22 I got service done to my car by XXXX XXXX because my vehicle was overheating. After {$1000.00} worth of repairs my mechanic told me my vehicle was running great and was ready for pick up. On XX/XX/22 I went paid the mechanic for all the repairs and all the extra parts and recommendations that he made. After driving away from the mechanics XXXX min later my vehicle overheated once again and i had to be towed back to the shop. He then goes to tell me that I have a cracked head gasket and possible engine problems. Never was this said too me Prior. The mechanic supposable did all this work to my car but never fixed it at the end I had to sell the car to carbrain as a non working vehicle for parts. The mechanic wrongfully diagnosed my car charged me {$1000.00} for parts that were not needed to be changed he also did an oil change for me for a car that was not even running to milk me for more money cause he told me he had fixed the overheating issue which was not the case! I contacted Td bank to file a dispute with the mechanic and submitted all my paperwork. Td bank gave me provisional credit for {$1000.00}. A month goes by and I then see that Td bank reversed my credit and my bank was now negative. When i called the bank to find out why they reversed my claim they stated I did not give them enough information and that they tried to reach me by phone call. I submitted all the info and Td never reached out too me never received a phone call no voicemail either which they said they left. Also they never even sent me paper work in the mail about my case still waiting its been over a month. I then filed complaints multiple times and Td eventually tells me there is nothing they can do because the merchant already declined the refund. Td had all my paperwork and this was clearly fraud I even have texts that the merchant was going to compensate me but that was after i had already received my provisional credit. I would like the bank to give me back the money that they owe me and stop telling me that there is nothing they can do about it. This was clearly a scam/fraud.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

FOR ABOUT A YEAR NOW I HAVE BEEN UNABLE TO ACCESS MY EQUIFAX CREDIT REPORT & SCORE. WHEN I LOG INTO MY EQUIFAX PORTAL, IT SAYS CALL CUSTOMER SERVICE. WHEN I CALL THEM, THEY SAY NOTHING IS BLOCKING. 
I WAIT SEVERAL WEEKS TRY AGAIN AND SAME RESULT. THEY TELL ME TO SEND COPY OF DRIVERS LICENSE & SOCIAL SECURITY CARD. I DID THAT SEVERAL MONTHS AGO MY MAIL AND FAX AND I STILL CANT ACCESS MY REPORT OR SCORE. LENDERS HAVE COMPLAINED THAT THEY CAN NOT ACCESS MY FILE ALSO. IT IS CAUSING ME BIG PROBLEMS, NOT ABLE TO ACCESS CREDIT FOR MY REFINNANCING OF MORTGAGE LOANS.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX 2016 Santander Consumers gave me a loan for {$20000.00} to purchase a vehicle. The car ended up becoming repossessed 6 months later due to my job & not making enough to pay a {$500.00} a month car note. I later found out they lost a class action law suit against them because they were targeting individuals that they knew could not afford these auto loans they were given them. I have reached out to them several times regarding this to have this repossession removed from my credit also it still shows I have a balance left to pay on my credit as well as wrong payment dates and amounts. With the class action law suit they lost they are supposed to remover these repossession from credit reports. I have reached out to Santander about this in written and they told me they would not remove this. The dates and payments amounts are incorrect also it states I still owe a balance. I know this is violating my rights. Also it has been over over 7 years Thank you in advance
Consumer complaint received 2021-05-04
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. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 


Account Name : XXXX XXXX XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
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 (FL)

USAA has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account. 

XXXX XXXX is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.
Consumer complaint received 2021-05-07
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. ()

My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report XXXX  and Transunion are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If XXXX and Transunion will not record my information correctly, how many times I have to create dispute in the future.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ND)

I will make sure to clarify that I am able to verify my identity and login to my ( free ) experian account. I AM ABLE TO VIEW, THAW, LOCK, OR UNLOCK MY FREEEEEEE EXPERIAN ACCOUNT. WHEN APPLYING TO LENDERS or MOST RECENT APPLICATIONS FOR APT 'S. HOWEVERRRRRRRRR DESPITE THE FACT I REPEAT THE FACT THAT I HAVE ACCOUNTS IN GOOD STANDING.GOOD HISTORY, ON TIME BILL PAYMENTS & 0 DEBT. EXPERIAN WILL ( IN YEARS WILL NOT ) ( EXPERIAN ) NOT RAISE MY CREDIT FOR YEARS. BUT XXXX, XXXX XXXX ( XXXX, XXXX MONITOR MY IDENTITY, SEND ME UPDATES BUT EXPERIAN DOES NOT! I SETUP FRAUD ALERTS TO MY EXPERIAN SINCE XXXX. ( HAVE DISPUTED ADDRESSES, NAMES, LOCATIONS ETC ) I HAVE TO PAY EXPERIAN WHO WORKS FOR THE GOVERNMENT TO BOOST MY CREDIT SCORE, REVEAL MY BANK INFO ( WHEN I NOTICED MORE FRAUD TO MY IDENTITY, BANK BECAUSE OF EXPERIAN BOOST, IDENTITY WORKS ) A PERSON POSING AS ME MADE CONTACT WITH EXPERIAN TO GAIN ACCESS TO MY IDENTITY, THE FRAUDSTER CREATED A EXPERIAN IDENTITY WORKS TO DUPLICATE MY IDENTITY TO KNOW MY WHERABOUTS, INCLUDING LOCATION, A XXXX XXXX ADDRESS I DID NOT RECOGNIZE ( it took 2 + years to XXXX  XXXX, EXPERIAN from XXXX to XXXX to remove this address ). EXPERIAN WILL NOT RAISE MY SCORE WITH GOOD REPORT HISTORY SUBMITTED TO EXPERIAN. I UNLOCK MY EXPERIAN WITH MY GOOD HISTORY TO APPLY SINCE XXXX OF XXXX, HAVE NOT BEEN ABLE TO HAVE APPLICATIONS SUBMITTED TO VERIFY MY BACKGROUND WHY BECAUSE DESPITE THE FACT I CAN UNLOCK OR THAW MY FREE EXPERIAN BUT EXPERIAN & TECHNICAL WILL NOT ALLOW MY EXPERIAN REPORT TO BE VIEWED OR SEEN. I WILL SAY THIS AGAIN ( I CAN ) THAW, UNLOCK MY EXPERIAN, STILL RECEIVING LETTERS THAT BECAUSE OF EXPERIAN ERROR & UNABLE TO APPROVE FOR APT & ETC. I DO NOT WANT TO LIVE IN A HOTEL OR STREET! 2. A XXXX XXXX I WAS NOTIFIED IN XX/XX/XXXX was to be removed due to my proof, police report. IT IS REMOVED WITH OTHER CREDIT BURUEAS BUT EXPERIAN WILL NOT REMOVE. How strange.unsusual unrecognized with my identity, within split seconds ( like they just brushed it off ) " emails '' ( from experian ) that disputes are complete but takes at least 60 days!
Consumer complaint received 2021-06-10
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. (IL)

I have reached out to XXXX XXXX to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX  claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and XXXX XXXX that I did not authorize any loans with XXXX XXXX Then I was informed it would be removed, and it has not. XXXX XXXX and XXXX XXXX  is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXXXXXX via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from XXXX XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I received correspondence stating that my balance on a closed account was one amount. On a credit report dated XX/XX/XXXX the amount on the account is not the same as on the previous correspondence sent by them on XX/XX/XXXX. I asked the company to remove the account off of all three credit reporting agencies because of inaccurate information. The company didn't respond at all and left everything as is on the credit report. I submitted the paperwork proving the two different amounts and they totally ignored my proof.
Consumer complaint received 2021-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Self is reporting these 2 accounts as open which is making my XXXX reporting raise 47 points & drop 47 points, this account was charged off based on the total I paid into the self installment account that they never refunded to me. This is not only a violation of the FDCPA but its also a violation of the FCRA to unlawfully report a charged off account as current
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NM)

I have called Equifax multiple times to get a copy of my credit report. 
I need a copy of my Equifax report to qualify for a mortgage. Equifax states they do not have credit file for me ; The last updated credit report is dated XX/XX/2020. When I look now, my entire has been erased. 
They say its a computer glitch and are not aware how they can fix it ; I only get out of the country customer representatives. 
I do not have freezes or or anything like that on my account. 
I don't know what to do. 
Please help.
Consumer complaint received 2021-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-06-03
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.