davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: CL Holdings LLC (AL)

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXX XXXX {$90.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {$16000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you
Consumer complaint received 2022-02-02
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. (TX)

On XXXX and XX/XX/XXXX multiple letters were sent in to Trans Union, XXXX and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into Trans Union they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WV)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

this is second attempt here, but i gave an older account number. the correct one is XXXX I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money. XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc (CA)

I XXXX XXXX was contacted by mail from Lien enforcement inc about a debt I owed in the amount of {$3700.00} Around or on XX/XX/2023 for a car that was sold by me and my wife last year. I called on the XX/XX/2023 and talked to a representative named XXXX that was so rude and hung up after putting us on hold for what seemed like hours only because we said we had proof that the car was sold to him saying it wasnt registered, tagged, or smogged. He yelled and talked over us saying were pay out XXXX way or another
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This KOHLS/CAPONE with account number XXXX is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-02-02
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. (MN)

On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
( XXXX XX/XX/XXXX ) ( XXXX, XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than XXXX without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Consumer complaint received 2023-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I am writing this letter because i am extremely dissatisfied and dissappointed with the services of Wells Fargo. I feel as though my complaint was handled inadequately and my rights were grossly violated by the service rep, XXXX. I have been a customer with Wells Fargo since XXXX and have continuously maintained a good standing with them. On XX/XX/XXXX, I submitted a dispute and took the extra step of filing a complaint with the various regulatory agencies such as CFPB, FTC, CFTC, SEC, State Attorney General, and XXXX. On the same day, I received a notice that my account would be closed without any legitimate explanation. This leads me to believe that the investigation was not conducted correctly. 

Furthermore, I called on the XXXX to file another dispute because someone had disconnected my phone and I was able to get into my applications since I had double verification with my phone and the customer rep ( XXXX ). However, XXXX was extremely rude and treated me disparagingly. He did not explain the details of the dispute and merely provided me with a claim number ( XXXX ) before abruptly ending the call. 

I am appalled by the lack of customer service I have received and feel that my rights have been grossly violated. I would like to request that my account be reinstated and that I be given a proper explanation as to why my account has been closed. I would also like to request that disciplinary action be taken against XXXX for his inappropriate behavior. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (NJ)

I had inquiries I didn't recognize on my report when I called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything. I have sent in an identity theft report and Police report and nothing was done.
Consumer complaint received 2022-02-02
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. (NJ)

I had inquiries I didn't recognize on my report when I called Equifax they didn't pick up and when I finally get through I got passed around ... no one at equifax wants to take has helped. I have sent in an identity theft report and Police report and nothing was done.
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IA)

I have a mortgage with Amerihome mortgage. We bought our home in XXXX of XXXX. We have made every payment online since then every month to Amerihome through our online account with them. On about XXXX i received a phone call from their debt collection department asking how we can bring our mortgage current as they have not received one payment. I asked how that can be because I have made every payment online and had never received a phone call a letter nor an email that we have ever even missed a payment. Told the representative that i can gather my bank statements and would send those to them. That was the day before XXXX so they were closed until after the holiday weekend. I called first thing the next week spoke to a gentlemen received an address of where to mail which was Amerhome Mortgage XXXX XXXX XXXX XXXX XXXX Tx XXXX and an email account where i mailed my bank statemts as well as emailed and he said allow about a week and to check back. About a week and half later i received my bank statements back from the mailing address with a sticky note from XXXX XXXX XXXX. attorney that said please send this to your lender that they could not find my account. I immediately called them back said thye had no idea what that was about and saw my emial with my bank statements and would work on finding where my payments had been applied. I have had several phone calls with them each one not finding where any of my payments are. During this back and forth it has now been sent to their attorneys XXXX XXXX XXXX and i have called and left messages and sent a message via their website and no response. Have talked to Amerihome customer service and all they say is they can see the notes but I need to talk to XXXX XXXX XXXX but XXXX XXXX XXXX doesnt answer phone or return calls. Now I am in foreclosure when I have never missed one month of payments. At this point I do not know what to do. I will attach my bank statemnts showing every payment I have made through XX/XX/XXXX. XXXX payment XXXX was also made online and XXXX was made on phone with them and they can not even find that payment. Thank you any help would be appreciated.
Consumer complaint received 2022-02-02
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)

I am writing to dispute an account fraudulently opened in my name with XXXX Bank. I am a victim of identity theft and did not open this account # XXXX. XXXX Bank is attempting to collect an alleged debt on the basis of fraud. I am not responsible for any payments for this account XXXX. I have no business with XXXX Bank and its successors. I do not have a contract with XXXX XXXXSection 611 and 609. XXXX Bank has report false, derogatory and defamatory information about me to Experian. Please provide verification of your claim, including a lawful contract ; a hand signed invoice in accordance with Bills of Exchange Act ( 1882 ) and proof of agency. I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper, you have no legal standing, no first-hand knowledge of this matter, your claim is fraudulent ; any damages I suffer you will be held culpable, you agree to pay all fee scheduled ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter.FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or consideration was given, Fraud!

15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Consumer complaint received 2022-02-02
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. (NC)

This item was disputed in XXXX. I do not believe Transunion performed an actual investigation as XXXX has removed this item from my report, but Transunion has not. This item is erroneous and needs to be removed right away. This is keeping me from qualifying for a mortgage and it is not right.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (IL)

Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all XXXX credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc. (MI)

Despite the multiple previous written requests, the ARBOR PROFESSIONAL SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.