davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (PA)

I use a Citi branded Mastercard. I was charged a cash advance fee for using the XXXX service on XX/XX/XXXX. Citi claims this was due to Mastercard changing its terms and conditions. I never received notice of the change in terms and do not agree with this change in terms. Had I received this change in terms I would have objected to the change in terms. Mastercard along with the other card companies are using their dominant market position, and acting together an an anti-competitive method to limit their competition from XXXX and stifle the entrant of this new business.
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/XXXX. As a 30 day late pay. And in XXXX XXXXas a 30 day late. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!
Consumer complaint received 2020-05-29
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX of 2022, I paid my property taxes. I paid it based the bill that I received. Apparently it got there a few days late and they said that I owed another, approximately, {$650.00}, I mailed that additional amount the same day that I got the notice. A couple days later, I got a message from Bank of America that they had sent the taxes and were putting my account into escrow. I talked to them and provided proof that I had already paid the taxes. They notified me that they had applied for and received a refund on what they had paid. Then I got another message letting me know that due to delinquent taxes, they had created an escrow account for buy mortgage. I have explained to them ove4. and over what happened that that there were no delinquent taxes and they had been refunded for what they paid. They refuse to remove the escrow and claim that they can't do so. My property taxes are around {$4500.00} per month one now my payment has gone up almost {$900.00} per month which I can not afford.
Consumer complaint received 2023-03-09
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)

EXPERIAN REFUSES TO ACCEPT MY IDENTITY THEFT REPORT AND BLOCK FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

FRAUDULENTS ACCOUNTS : 1XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX - XXXX I have requested Experian, multiple times, to Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All attemps have been fruitless since Experian, even though I have requested and disputed these accounts multiple times by submitting to experian, via email, fax, internet etc, all my identifications and reports, they still decline my request, by claiming they have not received valid proof of identity. 

Enclosed are the following : A copy of my Identity Theft Report and proofs of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a vehicle in XXXX of XXXX. Unfortunately Santander was the financing company at that time due to the pandemic and credit issues that the dealership used to finance the other half of my car I didnt pay up front. The interest rate I was given at the end not thinking it would EVER be so high was 24.9 % which was criminal! Within 5 months of obtaining this loan I was hospitalized with XXXX for a long time and tried communicating with them eventually reaching the CEO through XXXX and explaining my situation. I wasnt given any relief and the late fees stacked up. I was released from the hospital to find out my car had mechanical issues that cost half of what I owed on the car and the extended warranty I purchased was cancelled with no explanation. The repairs and payments due to insane late fees and interest rate were impossible to pay but I continued to try. Santander placed a {$0.00} XXXX XXXX payment late history and charge off as bad debt due to natural disaster on my credit report. However, they still have a lien on the title leaving me with a XXXX XXXX XXXX Im unable to sell or trade or even fix and huge loss of equity
Consumer complaint received 2020-05-29
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. (AL)

I have notified Experian at least XXXX times about the account XXXX XXXX/ XXXX  XXXX credit card account, the account is not mine, I have notified all three credit bureaus, after submitting proper documentation XXXX and XXXX have both deleted the account from my credit profile. I have included supporting documentation to prove where the other XXXX bureaus have deleted the account, I also have included my Identity Theft Report which list the account, I am asking that Experian delete the account from my credit report and send me an updated credit report once the account have been deleted.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I initially went to purchase this vehicle in XXXX I was dealing with a sales agent by the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX My credit score was around 712-715 so when I did the pre-approval for Capital One I was happy to have a {$2000.00} down payment and monthly payments of around {$400.00}. XXXX XXXX wanted me to trade in my XXXX XXXX which I told him I didnt want to do. I was gon na sell my car and use the money to make the down payment and monthly payments to have that auto loan on my credit to bring my score higher. I had already gotten a pre-approval and brought the pre-approval to XXXX  whom at that time decided to run my credit not once but twice and pushed my {$2000.00} down payment to a {$4500.00} down payment with the monthly payments being almost {$800.00}. I literally went back n forth with him for days telling him how if this was stated before I sold my car I wouldve declined but he waited until after my car was sold to XXXX up the price. I was able to make payments on time for a while until I got sick with XXXX and then became homeless for almost the entire year of XXXX. I just recently was diagnosed with XXXX XXXX. No one wanted to fix my issue & everyone basically looked at me as a person whom just was delinquent but didnt know my struggle. I tried to contact XXXX on more than one occasion and was never able to get in contact with him. Ive had to sleep in that same car I used all my money on. Capital One didnt wan na hear anything as far as me not being able to make payments and to make matters worse a tow guy just repossessed my car and not only XXXX XXXX XXXX XXXX but wouldnt let me grab anything out of it. Told me I should pay my bill and proceeded to drive off with my belongings in that same car, this has been a nightmare and I wish I wouldve NEVER done it, I couldve kept my CASH CAR. This company as well as the financing company is a fraud.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report. 
Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-03-09
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. (NY)

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 XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : 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 an 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 2023-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (KY)

I have not approved these medical reports. These " medical seevices '' were definitely a result of some misusing my information and requesting something I didn't approve. I was at a doctor office who practiced illegal actives and went to prison so I'm assuming it was there it happened. I also have medicaid which covers everything I have done with no copay so this debt furthermore makes no sense. I habe disputed the charge with XXXX and got nowhere. It it the debt with central tax and XXXX agency. I would appreciate any help getting this resolved. 
Thanks!
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX  XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT EDXXXX XXXX {$4500.00} DPT/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX   XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT ED/XXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I should not have to send in documentation to get a fraud alert off of my credit report that I clear said No to over the phone they removed it for me the next day but then it reappeared now you want me to use my money and my resources when your company is the one who placed the false fraud alert and the false consumer statement you claim I made. I dont have time for that all my information is up to date and has been the same for 8 years why are you trying to extort me out of documents I dont respect this approach just remove the fraud alert that one of your employees made I would never in my life authorize a fraud alert I utilize authorized users clearly as you can see and everyone knows fraud alerts are not compatible with authorized users posting.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

This account was removed from my credit report. and now its back on there and I havent received any information why its back on there. I asked this company to send me information on how they came up with me owing them and I havent recieved anything. They have refused to send me any contract saying I owe them. & this is a third party so I dont know how they came up with me having to owe them.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (PA)

I have called Experian regarding inquiries I did not authorize, and for multiple accounts with inaccurately reported information. Even with documentation as proof, Experian will not update my credit reports. This complaint is specifically regarding a substantial amount of inquiries on my credit report that either 1. I do not recognize AT ALL and are clearly fraudulent, 2. I never authorized the company to pull my credit reports or 3. are expired and suppose to be off my credit report but have not been removed. The following inquiries are expired : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX   XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX XXXX date of XX/XX/XXXX removal date of XX/XX/XXXX. The following inquiries are inquiries I never authorized : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX, and additional inquiry dates of XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX inquiry dates of XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX with inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX   MC inquiry date of XX/XX/XXXX ; XXXX   XXXX XXXX  date of inquiry XX/XX/XXXX ( was a " pre-qualification '' that stated specifically there was no hard pull - only inquiry I recognize at all ) ; XXXX XXXX date of XX/XX/XXXX ; XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ( downloaded the app, never authorized them to pull my credit reports ), XXXX inquiry date of XX/XX/XXXX. The following inquiries are inquiries I do not recognize at all and are fraudulent : XXXX XXXX date XX/XX/XXXX, and XXXX XXXX  XXXX XXXX date of XX/XX/XXXX.
Consumer complaint received 2020-05-28
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 AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-09
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. (OK)

In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and XXXX.