davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (VA)

Santander Consumer USA sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sherloq Group, Inc (FL)

I was contacted by a collection agency by phone for a debt I did not make and for which I know nothing about. I told them I do not owe any debt and never lived at the apartment in question. I explained that I have been living out of the state of Florida for most of the past XXXX years and that I just returned to Florida in XXXX, XXXX due to medical issues. In fact, I was living in Maryland from late XXXX, XXXX to XX/XX/XXXX. Several days later, I received a letter requesting payment for the same apartment. I am in recovery at present due to medical issues and this matter is distressing to me and causing detriment to my recovery. I informed the agency that my identity had been stolen.
Consumer complaint received 2022-04-25
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. (TX)

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2022-11-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NC)

I moved out of XXXX at XXXX XXXX apartments on XX/XX/2022. I turned in my keys on Saturday XX/XX/2022 to employee XXXX. I previously filled out a forwarding address paperwork and turned into rental office. XXXX declined to do a physical walk through at the time of my departure which is a violation of their company rental policy. 
At the end of XX/XX/2022 after not hearing from XXXX I went to rental office to inquire if I had a balance. During this same visit I also verified with the rental office employee that they had the correct forwarding address for me. The employee located the paperwork and confirmed they had the correct forwarding address. She then confirmed there was no balance due. After reviewing my credit months later in XX/XX/2022 I noticed that a debt collection was placed on my account by a debt collection company. I have never done business with this debt collector. They have not had any form of communication with me via email, text, mail, phone or fax. 
After speaking with a Consumers Protection Lawyer Attorney they advised me to prepare a debt validation letter and send it certified mail with return receipt to the company. I have sent XXXX letters to them with no response to validate this debt to date. The lawyer advised me under the laws of FCRA, FDCPA everything on a credit report must be 100 % accurate verifiable and reported in a timely fashion to be placed on my credit report. This debt collection company is in violation of 15-USC1692gb. I need to have this deleted from my credit report immediately.
Consumer complaint received 2022-04-22
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. (TX)

i have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure. I WANT TO KNOW ALL PARTIES INVOLVED SO I CAN CONDUCT MY OWN INVESTIGATION
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

I opened a new Barclay XXXX XXXX credit card under a promotional offer. Based on this offer, after my first purchase using my Barclay XXXX  credit card, I will receive XXXX bonus miles. 

However, Barclay 's partner XXXX XXXX all the sudden closed my XXXX  account without any legitimate reason. As such, so far I have NOT received the XXXX bonus miles per the promotional offer. Meantime, I can not access my XXXX  account either. 

Since I have NOT received the XXXX bonus miles, I request Barclay to post the equivalent {$600.00} statement credit to my Barclay credit card account instead.
Consumer complaint received 2022-06-11
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. (NY)

I have inquiries, i have no knowledge of. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (AZ)

In XXXX of 2021, I entered a CoVID-19 forbearance program under the CARES ACT. Prior to forbearance, all previous mortgage payment were made on time. In XXXX of 2021, I requested to end my forbearance status through the loan modification option. It is now XX/XX/2021 and I have not been contacted by the servicer regarding the loan modification and my attempts to get status was unsuccessful. 
I need to be out of forbearance to qualify for a business loan that is essential to keeping my business open. Without the business loan, I am at a risk of additional financial hardship. Any delay in processing the loan modification increase my risk of losing my source of income. 

Background : Since my request for a loan modification, I have not been contacted by the servicer. They have not contacted me to fill out an application, request for documentation or ask for any information. All communications between the servicer and myself were initiated by me. From XXXX of XXXX XX/XX/2021, I proactively called the servicer more than XXXX times to ensure a timely resolution. However, each time I called, the only information provided is that that the loan modification is under review. In recent weeks, I have asked to communicate directly with the loan processor and was informed that is not possible, however, the customer service representative was able to email the processor on my behalf. As such, I made 5 separate requests to the loan processor thru email from the customer service representative for some type of status and was told that the processor will contact me within 24 hours. The loan processor never contacted me. Due to lack of communication and transparency from the servicer regarding the loan modification process and my need to urgently take action to prevent additional financial hardship, I was forced to enter the deferment option which is expected to be process and finalize sooner. 

Complaint : Mortgage servicer failed to respond to borrower ( me ) after repeated attempts at communication. 
Mortgage servicer did not work with borrower throughout the loan modification process. 
Delays in sending certain notices and taking certain actions required by Regulation X. 
Did not demonstrate effectiveness in helping borrower through the loan modification process. 
Lack of communication. 
Did not effectively managing borrower requests for assistance, promoting loss mitigation, and ultimately increasing risk of avoidable foreclosure. 
Did not respond to borrower requests and complaints in a timely manner. 

As a result of the complaints described above, I was forced to end my forbearance through an option that increases my financial hardship.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have 2 charges for XXXX on XX/XX/XXXX {$34.00} and a {$10.00} fee for a cash advance although it is a purchase. XX/XX/XXXX same merchant XXXX purchase however Capital One is alleging it is a cash advance which it isnt for {$92.00} and a {$10.00} fee. Per the supervisor I spoke with I was told to dispute both transactions as a purchase not as a cash advance I did that. Capital One comes back alleging they cant help me, the merchant processed it as a purchase. I have done business with this merchant in XX/XX/2022 and prior no issue. I am asking capital one to credit all interest, fees, and the correct amount of the purchase back. I did business with this merchant only as a purchase!
Consumer complaint received 2022-03-13
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)

I have contacted Trans Union twice with in the last 5 months regarding XXXX XXXX XXXX Trans Union is reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on my account XXXX XXXX XXXX Trans Union should be aware there can only be one high balance. 
If this account was verified all three bureaus would be reporting the same high balance.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (MI)

" Diversified Adjustment Service, Inc. '' has been making repeated, unwanted calls to my personal cell phone for weeks now. They never leave a message. It's clear they are a debt collector, but I have no idea what debt I could possibly owe. I do not believe I owe any to anyone. They certainly have not let me know of any debt they claim I owe them in writing, as I believe they are required to do by law within five days of contacting me. It has been well beyond that ( first call was at least two weeks ago ) and still I have no proof or even a specific claim of any debt, in writing or otherwise, just persistent spam phone calls. I wanted to let them know in a written message myself to either provide proof of a debt or cease contacting me, but they do not seem to make it easy to contact them in writing, so I was forced to go directly to you.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021, I got a message from a number claiming to be Wells Fargo, detailing that someone had committed fraud on my account. This number was XXXX. Upon answering NO to if it was an authorized transaction, I got a phone call from what appeared to be Wells Fargo from the caller ID. I heard the automated Wells Fargo message and was connected to a representative by the name of XXXX XXXX. He explained that in order to secure my account, I needed to transfer funds to myself. I transferred {$3500.00} as well as {$500.00} for a total of {$4000.00}. Once I had realized what had happened, I brought this up to my bank. I had an understanding that due to Regulation E, customers were still entitled to a refund or compensation even when tricked to give personal information. They have denied my claim, even though after reaching out to others, I found out that a similar scam happened to a friend using XXXX and was able to get his money back in a week.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-19
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. (GA)

in accordance with the Fair Credit Reporting act 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 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 2022-04-26
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. (SC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2022 I placed an order for a XXXX XXXX with my Chase credit card for the amount of {$2900.00} on XXXX. I scheduled it for same day delivery with signature confirmation. Later that night on XX/XX/XXXX I got a message saying that XXXX was delivered, but there was no package and I never signed for it. When I contacted XXXX on the phone they agreed that they did not have my signature and I would be getting a refund. I never got that refund. In fact, later on they claimed that my signature was NOT required even though I have documents stating otherwise. 

I then disputed the charge with my Chase credit card. Chase claims that I have a valid complaint but since so much time has gone by ( 3 months ) there is nothing they can do about it. I have attached some documents that show a signature was required, them denying that a signature is required and not being able to provide mine, and also receipts for another XXXX XXXX I had to purchase the next day from XXXX because XXXX never delivered. Please help.
Consumer complaint received 2022-04-25
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. (SC)

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXXXXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE 2 ACCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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. (MI)

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating one of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Bull City I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. 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. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022 I received a call from this name and number XXXX XXXX, XXXX stating that I had ordered XXXX. Today I was contacted by this phone number XXXX stating the same thing. I did not Altherize either transition. So I tried to checked my account on and was dinied access.
Consumer complaint received 2022-04-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have asked experian to verify that credit acceptance was my debt. Experian keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. Experian is not verifying nothing with original signed documents nor are they even probably investigating these debts. Experian is horrible. Experian have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. Experian is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years