davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Santander Consumer incorrectly has on my credit reports for XXXX and XXXX a missed payment of a missed payment back in XX/XX/2020 which I want corrected to paid on time.
Consumer complaint received 2022-07-26
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. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

We took out an equity line of credit with TCF bank in XX/XX/2020. The terms were to pay off an IRS lien and a check was issued for {$57000.00} to our home made out to the IRS to pay off this lien. We received via overnight mail as promised and had an appointment the next day to meet with the IRS as planned. When we arrived at the IRS, the building had closed due to COVID-19. After months of waiting to see if they would re-open we called and the IRS said we would either need to send in the check or pay online. The amount had changed on the lien and was now lower in the collections department. So we contacted TCF bank XX/XX/2020 and asked what our options were to try to move forward. The customer service rep said he spoke to a supervisor that said we should sign the check and write not for purposes intended and overnight back to them. It would take them 3-5 days to reconcile the account and then we could use the card we were issued to pay online. On XX/XX/XXXX we sent via USPS overnight mail and I called on XX/XX/XXXX and confirmed they had received. From that first contact I have been told something different every time I call. I have been told they don't have my check, my check is lost and to be patient. The last conversation has now been over two weeks ago when they said the only resolution they had was to re issue the check back to me again made out to the IRS for the same amount. I agreed to this and they said to allow up to a week for it to be issued and mailed to me. At this point I can't reach anyone and have been on hold for hours. This company merged with another bank and I was not issued any information about an updated loan number or how to pay on my loan. So now, when I call they tell me I should have received a new account and they cant talk to me. Currently I am making payments and have not paid the IRS and have not received my check back. This bank is completely incompetent. I tried on several occasions to escalate this to a supervisor but that seems impossible also. I feel they have absconded with my money. The customer service is the worst I have ever experienced.
Consumer complaint received 2020-08-28
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. (MO)

XXXX, XXXX, and Experian are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. Experian, is reporting this same account with the account number the same as the XXXX report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
XXXX  is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
Experian is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing my Consumer Reports, I discovered that some information was incorrect in regards to late payments on an account for which I have always paid on time. I have never missed a payment on this account. I have documentation showing that I have made all of my payments on time. Consumer reporting agencies play a critical role in accurately reporting consumer information. It is imperative that thus information be reported with the utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Consumer complaint received 2022-07-26
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. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. 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. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Today XX/XX/2022 I received a email from Citibank. I called Citi and spoke with a representative. The Representative stated that there was not a block on my account. However a new debit card needed to be ordered in order to access my online account. My phone is currently disconnected so I couldnt not receive the verification code. Representative then transferred me to a supervisor to verify my identity. I answered every question and the supervisor said that I had failed the verification. She instructed me to hang up and call back to do the process over again, I did. Once again a representative transferred to a different supervisor. This time the supervisor tells me that a block has been placed on my account again and I have to wait 60 days. I ask what was the purpose of placing another block on my account, The supervisor said fraud. I have {$4300.00} in my account and I have verified my identity since XXXX XXXX. I keep getting the runaround about my money. Im not giving the opportunity to pay any debts because of being refused access to my account. How can they its because of fraud when theyre denying me the opportunity to pay any thing. CitiBank is the one who is being fraudulent. Im fed up with the XXXX and I am ready to seek legal action against CitiBank
Consumer complaint received 2020-05-06
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. (FL)

The returned declined decision stated serious delinquency and number of accounts delinquent to my knowledge I have none, I can prove I constantly monitor XXXX XXXX, that might not be the best source but I received no calls from collections and have none on my record. Im XXXX years old, have over a XXXX savings, small business owner, and have made over XXXX 5 years in a row and Im scored at XXXX????? I still have XXXX XXXX car loan on my transunion report I paid off in month ago and XXXX acknowledged payoff and my score is lower then transunion???? This is a joke I have a little brother that makes XXXX a year and has XXXX credit meanwhile I cant get a couch at XXXX XXXX, please review my account, if I have outstanding debt let me know I will pay on spot and move my XXXX XXXX score higher, I apologize for cursing but credit makes the world go around and Im getting XXXX by everyone, Ive paid multiple loans for large amounts, been renting for 3+ years at XXXX a month ( which I know isnt reported ) which should be, Ive paid {$2200.00} a month for almost for years and never late and I get refused for a XXXX side by side???? Please fix your system
Consumer complaint received 2022-12-15
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. (NV)

Experian has reported information on my credit inaccurate for 11 months saying I have missed or late payments.. I have attached a letter, Bank Statements, Passport and bill. To prove I have never been late. This has caused me over XXXX in damages to my credit and I have been denied qualifying for a mortgage and denied jobs. 

The XXXX XXXX on the Coronavirus Crisis is investigating reports that the three nationwide consumer reporting agencies ( NCRAs ) XXXX, Experian, and XXXX became less responsive to consumer complaints and disputes regarding errors in consumer credit reports during the coronavirus crisis. Information obtained by the XXXX XXXX indicates that there are longstanding problems with the practices employed by the NCRAs in responding to consumers who challenge credit reporting errors. These data also raise concerns about whether the NCRAs are fulfilling all of their obligations to consumers and to the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ). 
Accordingly, I write to share this new evidence and request that CFPB use its supervisory authority to further investigate and address these important issues.
Consumer complaint received 2022-07-12
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX BANK XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK OF XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (FL)

On XX/XX/20, I received a phone call At XXXX from a number saying it was from XXXX Fl. I was in a meeting and could not take the call. My parents contacted me shortly after stating XXXX XXXX XXXX called them at XXXX asking for my phone number. 

My father has XXXX XXXX and is receiving treatment from XXXX XXXX XXXX. I attend most of his appointments and have been applying for assistance to various organizations for his medical expenses. I expected the call the be in reference to that and attempted to return the call today, XX/XX/20. 

The call was not answered as XXXX  XXXX XXXX  ( which uses a XXXX  Fl Number also ) so I asked the name of the company. The ladys phone kept cutting out so I asked several times and the best I could gather was Diversified adjustments. After telling the person to never call again, to my parents or to me, and to remove me from their list, I hung up. 

I then went online to try to research to find out the type of business. It appears they are a collection agency, but I could have the wrong business name. To the best of my knowledge, I have no outstanding debts unpaid that should require a collection agency to be contacting me. Ive received nothing in the mail and nothing is on my credit report. 

I am appalled that any agency would mimic a cancer center calling. My father is elderly, XXXX XXXX XXXX XXXX and has numerous phone calls coming in from unknown numbers daily with doctors following up on his treatments. I dont know if this situation qualifies under this report, but something should be done. My parents are now going to be leery of answering unknown numbers but must do so to keep in contact with his doctors. Its sickening that this company would do such a thing.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (NY)

Today, I received a Civil Court Summons from the law firm XXXX XXXX XXXX XXXX XXXX for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which XXXX XXXX XXXX posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 2019
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS incorrectly reported our information to the credit bureaus as being 31-59 days late. They successfully correctly my information, but did not correct my wife 's information. XXXX is still showing 31-59 days late on her report. XXXX  and XXXX  have been corrected.
Consumer complaint received 2022-07-08
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. (TN)

XXXX CARD is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.
Consumer complaint received 2022-06-23
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. (OH)

I went to the car dealer they told me they were only running my credit through XXXX but it was 26 hard inquiry 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 2022-12-15
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

During a recent trip abroad, Bank of America placed an unexplained hold on my credit card. We had been using it successfully for about a week then, on XX/XX/XXXX, the company blocked a payment I made on it as I had been nearing my maximum. However, they did not return the amount to my checking account. This meant I was missing {$2000.00} from my checking account and was also blocked from using my credit card. The company said there was no explanation and there was nothing they could do to override it. I would have to wait 7 days for it to be lifted. Being in a foreign country, this was extremely concerning. We were able to use my husband 's debit card instead, but I felt this kind of thing should not happen to leave Americans in foreign countries potentially without any access to their money. We asked to speak to supervisors and the social media team contacted the company on our behalf, and were told the same thing.
Consumer complaint received 2022-07-22
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)

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. 


XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency