davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

Today, XX/XX/XXXX, I want to send this complaint to CHRYSLER CAPITAL. 

This is the account information : Account # XXXX, opene on XX/XX/XXXX, high credit : {$14000.00}. 

I had my automatic payment set up and the account, I had money. Chrysler Capital did not charge the last car payment. Apparently, they did not do it because the amount was lower. They only noticed me on the phone after it was 30 days due. Very unfair that ruined my credit after 7 years being on time to them. You can imagine how this ruined my life, all I am asking is a fair solution to this issue. 

They are also being UNFAIR, committing NEGLIGENCE, not reporting the account as " disputed '' after receiving my dispute notice ( see attached proof ). All these are violations to the California Credit Reporting Act. 

My demand : I want the late payment for XX/XX/XXXX removed from my report. 

Please send the attache documents to Chryslet Capital.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IN)

I used to have XXXX XXXX until their prices continued to change. As of XX/XX/2020, I changed my provider to XXXX XXXX. I made multiple attempts to contact XXXX XXXX XXXX  to stop my service, but due to the language barrier with their service representatives, they continued to bill me for 2 more months. They are continually sending me statements & have now sold the debt, fraudulently, to a third party collection. Today, my credit score was dropped by XXXX points due to their unscrupulous tactics. I want my score restored & this debt removed.
Consumer complaint received 2019-07-01
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: JPMORGAN CHASE & CO. (FL)

I bank with Chase, all my bank accounts are with them and Chase reported a late payment to my credit, this was a mistake. 

This all started when my car got broken into and my purse was stolen from my car, the thieves used my credit cards and checks to commit fraud, Chase closed and re issued my bank account and credit cards, before this happened my accounts were all set up on automatic payment and my bank statements were set up paperless, after chase reported a late payment to my credit I found out that they reissued new accounts but never linked the services properly as I had before the robbery. One of my credit cards got a charge from XXXX  of {$30.00}, since I was under the impression that I had automatic payment I just trusted that the balance would be paid, this did not happen. After the balance was past due over 30 days, chase contacted me to tell me I owed a balance, I paid immediately, they still reported the late payment to my credit. 

I contacted Chase 's credit reporting department, they read all the notes of the robbery, they even saw that notifications of my monthly statements were not even coming into my email as their system shows that emails are being rejected by the server for some reason, I showed them that I paid on immediately when I was notified, they saw the balance on my personal checking account and business checking account, still, this was not enough for them to remove the late payment report. 

I am in the process of refinancing my home, my credit dropped by 40 points because of Chase 's negligence and this is affecting me tremendously.
Consumer complaint received 2022-07-14
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. (PA)

I sent a letter via certified usps mail to Transunion in XX/XX/2022 asking that they remove inquiries that I did not authorize and to do the same for account they are reporting. Transunion responded by saying that I am using a credit repair agency and they have NOT done anything on my report. I did NOT use a credit repair agency and I am insulted that they think that I'm not smart enough to write my own letter. I also called transunion they kept hanging the phone up on me. 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. I DID NOT GIVE ANYONE 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. I HAVE NOT COMMITTED A CRIME15 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. They are INACCURATE! My right has clearly been violated! 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX *XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX XXXX XXXXt Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I am a victim of a data breach and identity theft. After checking my Chex systems consumer report I have found fraudulent information being reported that I never played a part in.The account by XXXX XXXXXXXX XXXX Account number last XXXX XXXX closed XX/XX/year> was not opened by me and is reporting a address this is not listed on my consumer report. The following inquiries listed by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX a part of XXXX were not done by me. I never consented or did any application with these companies. Also, personal information such as address XXXX XXXX XXXX XXXX XXXX  and phone number XXXX is not mine.
Consumer complaint received 2022-07-14
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. (TX)

I found out my minor child have a credit with this company and I am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX  child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL Transunion stated to contact the fraud dept they couldnt help me Ive uploaded Transunion response
Consumer complaint received 2020-06-24
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. (NV)

I HAVE ASKED EXPERIAN NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION EXPERIAN : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2023-01-09
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. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I was current on my car payment before I reached out to Santander and asked for a payment accommodation due to XXXX XXXX XXXX  which was granted by Santander, I was surprised when I check my credit report and Santander still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.
Consumer complaint received 2023-02-27
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. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-02-27
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. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I had TWO bankruptcies filed in my name. One in XX/XX/XXXX the other XX/XX/XXXX. Ive been fighting to remove them for years. After hiring credit repairs companies and getting nowhere I spoke with an attorney in XXXX. He advised me to contact the BK court directly. Upon doing so and providing them with my SSN I was told there was no BK filed in their system. I told them there has to be some mistake because I have two on my credit report with case numbers from that specific BK court. The clerk asked me to provide my full name and thats when the BKs were found. She advised that I come to the court and get the files because although the name matched there was a different SSN of the BKs. I went down the very next day, got the documents showing my SSN was not on the BKs, submitted those documents to each of the three credit bureaus and within a week XXXX and XXXX removed them. Today is XX/XX/XXXX and once again Experian just sent me a dispute update stating the BKs remain because the reporting verified them to be accurate. Ive even taken these documents to my local police department and filed a report which Experian also has, yet they still refuse to remove the BKs. Im beyond frustrated and dont know what to do besides file a complaint against Experian.
Consumer complaint received 2023-01-18
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. (GA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX, XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} FL XXXX XXXX XXXX XXXX MD XXXX, XXXX ( Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX ) XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management (OH)

I was under the understanding that medical bills weren't supposed to go against credit I am on a limited income and told keybridge i couldn't pay amount they said needed. They act like it was my problem nothing else they would do about multiple accounts and a different amount acceptable to them
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I ordered XXXX cameras as order # XXXX for {$360.00} which sent to an old address. I cancelled that order immediately and received a cancellation confirmation. The next day this order shipped and billed anyway. This order went to Oregon and was never received. 

Immediately after cancelling the first order I reordered as # XXXX and corrected the shipping address but that order then overcharged me. When I called XXXX  about the errors they told me there was nothing I could do so I called and disputed the transactions on XX/XX/XXXX for the {$360.00} order amount plus the overcharge of XXXX.. 

I subsequently returned this order and confirmed the return was received. I have yet to receive my refund of {$360.00}. XXXX refuses to refund me the {$360.00} because they have paid to Wells Fargo the amount of the two orders and Wells Fargo refuses to return the monies to me. I have made multiple calls to Wells Fargo, Wells Fargo Executive Offices and a local branch. I never received a response from Wells Fargo executive offices. On XX/XX/2020 I visited a local branch and received a letter stating the claim was closed and the {$400.00} paid to me. 
Called XXXX  who claims they paid Wells Fargo {$39000.00}, {$48.00} and {$380.00} on XX/XX/XXXX and provided verification of that. I called Wells Fargo Claims and was on the phone with them almost two hours and they were to call me back at XXXX Arizona time on XX/XX/2020 and no call was ever received. I called Wells Fargo on XX/XX/2020 and spent 40 minutes on hold before being disconnected. I called the local branch and was told someone should call me tomorrow. 
XXXX  refuses to refund my money because they paid Wells Fargo an amount over my purchase price and Wells Fargo claims they have received nothing from Ring but tell me the claim is closed, it is open, it is closed and now its open again. Wells Fargo has a long history of not knowing how to manage my account and has little credibility, particularly given the claim that amount exceeding my claim are being collected from XXXX. Something smells here.
Consumer complaint received 2020-06-24
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2020-06-24
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: General Motors Financial Company, Inc. (PA)

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX  and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Consumer complaint received 2023-01-18
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. (TX)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX  ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I was unfortunately scammed over {$19000.00} last year by a company called " XXXX XXXX  '' i had sent my funds through Coinbase. Please refer to the attached letter for more details. Thanks
Consumer complaint received 2021-08-04
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.