davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-18
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2021-08-05
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-07
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. (MI)

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 Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX  XXXX account number : XXXX, Account name : XXXX  XXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXX, account name : US DEPT OF EDXXXX account XXXX, account name : DEPT OF EDUCATION/XXXX  account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-05
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. (PA)

Hello, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CULLEN/FROST BANKERS, INC. (TX)

I closed my Frost Bank Checking Account on XX/XX/2021. I also, Closed my Savings account on the same day. I withdrew all the monies out and left the accounts at a XXXX XXXX XXXX XXXX. Frost Bank Closed the Savings account by the next day XX/XX/2021. That's when they started doing what " XXXX XXXX Bank '' was doing illegally ... That led to the Federal Reserve and Several Lawsuits... Including Congresswoman XXXX XXXX have been charging " XXXX XXXX '' with ... Adding a bunch of " Fees '' and taking advantage of people ... You can see by the uploads I'm attaching ... They want {$1100.00} in Debts/Fees as a Charge -Off ... That will lead to a " Early Warning Services '' report against me... I believe " Frost Bank '' is involved in " Fake '' Practices...
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.
Consumer complaint received 2022-07-18
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-18
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. (FL)

As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.
Consumer complaint received 2022-07-18
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)

As the plaintiff this impacted my businesses due to this slanderous information and during the worst Pandemic ( Covid-19 ) in human history. One such example is my intention to purchase a Home and other business matters. I was Denied and Rejected due to the Erroneous information on my consumer report. Similarly, this factor has affected me in everyday business and personal reputation.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (FL)

There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. I uploaded what this company provided to me for validation. There is NO WAY these charges belong to me. Where did I sign to authorize? What was done to accrue these charges? 



Please help, the information listed shows as follows seven accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}
Consumer complaint received 2022-12-13
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: SANTANDER HOLDINGS USA, INC. (AR)

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXX/XX/2022, SANTANDER CONSUMER USA XX/XX/2022.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Two vehicles were boughtbandbi was the consigner on both of the vehicle loans with Toyota Financial Corporation. Both vehicles have been repossessed, despite the duration of the physical ownership of the vehicles, as well as multiple Toyota Financial account balance statements both in hard copy and digital format validating the other with respect to both of the vehicles having been either paid in full ( XXXX  XXXX XXXX ) and XXXX  XXXX XXXX XXXX ) The total amount paid is roughly {$120000.00} from XXXX XXXX or XXXX XXXX XXXXXXXX both to which bare NY name as an authorized user or owner. The XXXX is paid in full and The XXXX still owes {$7000.00} according to digital online statement. Whats disturbing is the fact that Toyota Financial Corporation has reported to XXXX the account containjg the XXXX totaling {$48000.00} was paid in full. 

XXXX of XX/XX/2022. 
Further more the XXXX XXXX XXXX was stolen and then taken in the stolen recovery and ownership turnover period and repossessed that as well and stated. " Because we have not paid our bill we owe the full debt of {$84.00}, XXXX immediately if we wanted to get the vehicle back on a new 5 year contract, 60ndays old. The amount paid in was {$20000.00} which gave me a one year of payment immediately. 
Ironically still is the XXXX was financed because the XXXX was paid of and the bank validated that.
Consumer complaint received 2021-08-05
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)

Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information.

These are those accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Thank you! I hope this time it will work out.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

PHH Mortgage ( " PHH '' ) purchased my mortgaged on or about XX/XX/2021. All of my mortgage documents pre-PHH clearly indicate that my home insurance policy is not to be paid out of my mortgage account. The funds in my escrow account are only to be used to pay for property tax. 

On XX/XX/2021 PHH funded a check from my escrow account in the amount of {$1100.00} and sent it to my home insurance company. The amount of this check does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. On XX/XX/2021 PHH funded another check from my escrow account in the amount of {$810.00} and sent it to my home insurance company. The amount of this check again does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount.

I have contacted PHH on numerous occasions to make it clear that they did not have my authorization or permission to utilize the funds in my escrow account to pay for my home insurance. Beyond that, they made these unauthorized payments to my home insurance company on two separate occasions in amounts that do not even accurately reflect my home insurance premium. 

I have continued to contact PHH and express concern that they will raise my monthly payments because of the deficit in my escrow account -- which they created. 

PHH has failed to return any of my calls or messages in over a month. 

I feel I have no other recourse but to submit a claim that : 1 ) PHH accessed funds in my escrow account without authorization or permission, 2 ) PHH has caused a deficit in my escrow account which will likely increase my monthly payments due to their unauthorized access and through no fault of my own, and 3 ) PHH has failed to address any of the concerned detailed herein.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

Car was taken after XX/XX/2019 after paying monthly note and only having the car for 3 months, reached out to the company to find out where the car was taken to so i can recover vehicle or belongings i was giving the run around. After i was giving the information made an appointment for 24 hours later with the recovery place to recovery my personal belongings that i had in the car i get there they can not find the vehicle or my belongings. just to find out a couple days later that the car has been sold. it wasnt even 7 days before the car was sold. i wasnt even given time to recover the vehicle
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2018, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2021, I received a request for a wedding photography booking from a XXXX XXXX via XXXX XXXX XXXX. She said her boss was going to send the down payment {$500.00}. On XX/XX/2021, when I received the check, it was for {$2700.00} instead of {$500.00}, and she said her boss had accidentally included the XXXX XXXX XXXX XXXX  in my check. Instead of voiding it and telling her to resend my payment as I should have done, I tried to be gracious and deposited the check into my USAA savings account, then followed her request for me to send {$1600.00} to the makeup artist and keep {$1100.00} instead of {$500.00} for myself ( as a larger downpayment towards the {$2200.00} total fee for their wedding photography bill ). On XX/XX/2021 I sent {$1000.00} from my bank, through XXXX, to a XXXX contact she gave me ( XXXX XXXX  ). XXXX would not allow me to send more that day, so the next day on XX/XX/2021 I sent {$650.00} to another XXXX contact she gave me ( XXXX XXXX, XXXX ). 

Later in the day on XX/XX/2021, XXXX texted me and saying that the wedding venue canceled the venue because they are unable to have the wedding due to covid19 regulations. She said they would like to give me {$150.00} for inconvenience fees but needed the rest of the money sent back. I tried sending to the XXXX  accounts they wanted but XXXX kept flagging those accounts as suspicious, so I told them I would sent via XXXX. On XX/XX/2021 I sent {$850.00} to them via XXXX, to the XXXX XXXX contact. On XX/XX/2021, she said they needed me to only keep {$150.00} as an inconvenience payment, and send the remaining {$100.00} back to me via XXXX. She asked me to change my settings to get around the XXXX flags. I sent {$100.00} via XXXX, and on XX/XX/2021 they asked for all the money back so I sent the final {$150.00} through XXXX with my XXXX XXXX XXXX XXXX account ( XXXX was maxed out so they asked me to go that route with PayPayl ). The XXXX {$150.00} was sent to a XXXX XXXX ( XXXX ) and XXXX was to XXXX XXXX ( # XXXX ). 
On XX/XX/2021, I realized their {$2700.00} check bounced when my savings account went into the red. And it all clicked. I feel so stupid but have a tendency to believe the best and trust people. This whole experience has helped me set up a better plan in place for payments to my company. 

{$1000.00} XXXX to XXXX XXXX {$650.00} XXXX to XXXX XXXX {$850.00} XXXX to XXXX XXXX {$100.00} XXXX  to XXXX XXXX {$150.00} XXXX to XXXX XXXX = {$2700.00} taken. 

My USAA bank will go after the scam but will not refund me the lost funds. I am looking to try and get the money back!