davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX has put information back on my credit report from USAA, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by USAA. XXXX continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from USAA. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from USAA. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by USAA. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-11-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ EXPERIAN REPORT FTC VIOLATIONS )
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services (CA)

3 weeks ago I leased a XX/XX/XXXX XXXX from XXXX XXXX, and I was approved for the loan by Mercedes Benz finance. I signed my lease contract, paid 36 months up front and was given the car. 2 days later, they called me saying that I was declined on the loan, did not give me any reasons and told me to wait to receive the letter. I have received the letter yesterday, and it said that I was declined because they could not verify my identity and to call XX/XX/XXXX consumer reporting agency, I called them and they stated that everything is fine on their end and I do not have any issues with my personal information and everything is matching. I also did not have any fraud alerts or credit freezes, they were able to run my credit and it came out with XXXX Fico score. I have no lates, not delinquencies, nor do I have any issues with my credit. I have had a Mercedes Benz in the past, paid off with no issues with them. I paid up all 36 months of the lease up front with their 1 pay lease program. I returned the car back to them after they called me 2 days later, and they gave me back the payment I made, left me with no car. I asked for reason as to why I was declined, especially because there is no legitimate reason for denying me for credit. They did no respond and asked me to wait for the letter. I waited for the letter, and nothing there but problem with identity, I have tried resolving this matter with them and they are no help. I contacted their department where the analyst named XXXX denied, and they are not speaking with me in regards to my application stating that they don't speak to consumers and I should speak with dealership for reasoning. I spoke with financing manager at XXXX XXXX in XXXX, CA and they stated they can't help me either and I should speak with Mercedes Benz finance. I have never dealt with such a problem in my entire 20 years of leasing a vehicle. They are throwing the problem back and forth to each other and I don't know who I am supposed to talk to get this problem resolved. I really want to lease a Mercedes Benz and they are denying me for no solid reason, and are not resolving this case. Please help me, if they are denying me because of my race, sex, or how I would like to obtain my car with a 1 pay lease program that they are offering, then they are discriminating me. I have attached my driver license social and the contract. unfortunately I wasn't Able to attach all 36 pages of the contract because it doesn't accept big files, but I included the key pages, and can submit the full contract through other means if requested.
Consumer complaint received 2022-12-20
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: Specialized Loan Servicing Holdings LLC (CA)

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. 
I have SPEC LOAN SV. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
SPEC LOAN SV XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-11-05
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. (IL)

I contacted XXXX, Transunion and XXXX on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX account and did not receive a response. I contacted XXXX XXXX to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with Financial Business and Consumer Solutions . I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX is responsible for removing the account since they are the ones reporting. I called XXXX XXXX the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Consumer complaint received 2023-04-03
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. (NJ)

Experian purposely put inaccurate information on my report in regards to my student loans with XXXX. During the pandemic these student loans were put on paused in addition these loans are currently under the IDR program and my payments are {$0.00} dollars a month. The dispute number in regards to my complaint is # XXXX. Experian claims, that all of sudden, these student loans can not be found. Here is what is on the report, " Potentially negative/Creditor can not locate individual - never late. '' In addition this is my other issue with Experian, they will wait until my balance on my credit cards are higher than usual to report it. It does not matter how many payments I make during the month. It does not matter. Nor do they consider that people are recovering from the pandemic. For example my XXXX Credit card on their report shows a current balance of {$450.00} on XX/XX/2023, even though I made several payments between XX/XX/2023 through XX/XX/2023. They are very bias towards me and will do anything to lower my score and no matter how many times I dispute things, Experian refuses to remove these inaccurate items.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXXXXXX XXXX XXXX XXXX and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I am writing today about a complaint I have with Capital One. Today I had all my checking accounts blocked for activity by the Capital One security department. I called the number XXXX XXXX XXXX XXXX XXXX provided by Capital One to see what was the reason behind locking my accounts up. After talking with several agents a supervisor and a Manager no one was able to tell me why. I was just told it is because of a small business loan I received for SBA.gov. I am still trying to understand why would Capital One lock my checking accounts up for a government-issued loan. All I got were threats on closing my account from an entry-level agent name Breach or something as I could understand him saying his name. I was able to talk to XXXX who is a supervisor he transferred me to after looking for better help. XXXX was great but also unable to answer any questions about what was going on with my checking accounts. I need to know why did Capital One wait 3 months to ask questions about the small business loan deposit. And also why was my account was locked for a government-issued small business loan deposit as stated when the funds were deposited into my account. It is sad to see that we are going through a pandemic, small business is closing, people staving and losing a roof over their head and my checking account is being locked up for a small business loan I received.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MD)

I have filed a complaint with CFPB about Santander not deleting their reporting on my credit reports for the Multistate Santander Settlement which they replied " The State of Maryland is not part of the Multistate Santander Settlement '' when in fact Maryland is part of the Multistate Santander Settlement so for your wasting my time and lack of knowledge please delete the your inaccurate filing off my credit report the debit is no longer. And, please if you response back with this inaccurate fact trying to lew-ed me away from a relieve of your companies [ Santander ] criminal conduct I will sue you in State and Federal court to get my removal and a {$650000.00} Settlement for wasting my time.
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2020 an inquiry by capital one showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call XXXX  and they can fix it i did that and to no avail they had me call them back and capital one cant fix it because they said its XXXX  error so i went back and forth several times and was told by XXXX  that i need to file with ftc so here i am, i have had a capital one card for years and dont need another.
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (DE)

I sent {$150.00} to my son through XXXX. He never received the money even though it was taken out of my account. I called M and T. They said call XXXX. Called XXXX. They said talk to bank.
Consumer complaint received 2020-11-05
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. (CA)

i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX  XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents
Consumer complaint received 2021-08-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon, i filed a dispute on XXXX XXXX on transunion because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is TRANSUNION that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.
Consumer complaint received 2020-11-05
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. (CA)

i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX  XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents
Consumer complaint received 2022-11-30
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: CITIBANK, N.A. (WA)

On XX/XX/2022 I purchased a firearm in the amount of {$880.00} from XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX, XXXX, WA XXXX using my Citi Bank XXXX. In the XXXX of Washington, no one EVER walks out with the XXXX they have just purchased. There is a waiting period where a background check is performed, and generally, you have an answer anywhere from XXXX XXXX weeks if you pass. Unfortunately, while I had just been approved for a conceal carry permit, there was a weird mistake with the background check that required the services of an attorney to resolve. I was unable to take possession of the item within the time frame delineated by the merchant. The merchant refused to refund my money and I filed a dispute for the charge on or about XX/XX/2022. 
The credit card company apparently did not rule in my favor on the dispute as the merchant provided proof that I signed for the swipe by providing a signature, an issue that is not in dispute. What is in dispute is that the merchant failed to deliver the item to my possession and failed to refund the purchase price. 
On or about XX/XX/2022 I filed an appeal of the dispute. The credit card company failed to furnish me with a ruling on their dispute and I was surprised to find out that they had found in favor of the merchant. They apparently adjudicated on the appeal on XX/XX/2022 with the reasoning that it was not filed within a certain time frame. I re-contacted the credit card company on XX/XX/2022 and was also informed that the merchant apparently lied to the credit card company and told them that I had taken possession of the item on the date of the swipe. On XX/XX/XXXX, I re-appealed the decision and provided the credit card company with a copy of Washington XXXX XXXX about the purchase of firearms, proving that it is impossible to take possession of a firearm in the State of Washington on the day it is purchased, therefore proving that the merchant lied. 

To date, I have not received the charge back from the credit card company or refund from the merchant.
Consumer complaint received 2021-09-12
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. (CO)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.