davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters explaining to TransUnion there are multiple inaccurate accounts they are reporting on my credit report that I do not recognize at all. I have asked them to please provide me with documentation verifying that these accounts are mine. Laws I read from the FCRA clearly state if they can't verify information correctly they must remove them. Due to this pandemic I need to use my credit and these inaccurate accounts causing more of a negative impact to me.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MA)

Getting a quote from XXXX XXXX exposed the fact that LexisNexis Risk Solutions were collecting my personal information through a program called XXXX XXXX ( XXXX XXXX XXXX  XXXX ) without me knowing. It had incorrect information on the report, in which XXXX used to evaluate my rates. My current rate with XXXX was highly in turns increased without my knowledge of the fact that they are using LexisNexis ' false information. I called LexisNexis Consumer Center XX/XX/2020 which did not go through. I then called their representative center which they told me to fill a dispute which would take 30-60 days.
Consumer complaint received 2021-04-27
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. (FL)

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the XXXX XXXX and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have XXXX XXXX left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In XXXX  Worst Payment Status No Info Account Details Account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing a notarized Identity theft affidavit as well as a police report and the required documents for Identity verification. Transunion sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2021, I recieved an email from my XXXX XXXX reporting that a TD Bank account was created/opened in my name. My name is XXXX XXXX XXXX and the debt card number XXXX. On XX/XX/2021, I recieved a TD Bank debt card with my name on the debt card. I did not request or open this bank account with TD Bank. I called TD Bank to report this to their Fraud Department and they told me to report this activity to you all.
Consumer complaint received 2020-05-08
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted
Consumer complaint received 2021-04-27
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: MoneyLion Inc. (NY)

I am following up on a prior reported complaint relating to a fraudulent loan taken out by someone at MoneyLion. Through the significant help of XXXX XXXX in the Complaints department of MoneyLion, this issue has now been resolved. MoneyLion found the loan to be fraudulent and has removed any financial responsibility from me and is in the process of advising and correcting the information provided to the credit agencies. I deeply appreciated his follow through, efforts and communication.
Consumer complaint received 2021-06-10
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: SYNCHRONY FINANCIAL (NJ)

XXXX XX/XX/20, syncb/lowes XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.
Consumer complaint received 2021-04-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I entered forbearance according to the care act in XXXX of 2020 and continued to make payments as I could until XX/XX/2020 since then community loan services formerly known as XXXX loan servicing has been harassing me for payment and has reported me to the credit bureau 120 days passed due. They've ruined my credit rating and iam not able to qualify for assistance due to their negative reporting and they refuse to correct their mistake according to the care act.
Consumer complaint received 2021-04-27
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. (GA)

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (GA)

I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX  the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harris & Harris, Ltd. (TX)

The social that is on file is incorrect and is completely not my social security number on these XXXX companies. Also they are putting out false information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer adjustment co According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX RE : follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the accounts ) were verified on [ XX/XX/XXXX ]. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA XXXX ( a ) ( XXXX ). 
To be clear, per FCRA XXXX ( a ) ( XXXX ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Per the FCRA you are required to provide this information within XXXX  days or delete the negative items from my credit report. 
Best Regards, XXXX XXXX
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I noticed several entries placed BACK on my Experian credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. Experian has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, Experian has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with XXXX ( I have car loans, auto insurance, renters insurance and credit card with XXXX ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by Experian of the hard pull from XXXX and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (MA)

I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was scammed by person to send money for a rental in XXXX fl was told that property was being rented lease and did not get or receive lease or keys as promised after payment was made through XXXX which I used my banking app Wells Fargo banking money was sent on XX/XX/2022 I filed a scam to bank on Monday XX/XX/XXXX met with banker in office in XXXX on XX/XX/2022 they did investigation and denied refund I have text messages from scammer on all promises that did not happen the amount that was sent was a total of {$1200.00}
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (FL)

The written response you emailed is clearly double and your trying to collect more then original amount.thats not what was signed on original contract. It has become a hardship for me because i cant get anything approved even apartments. your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. XXXX, XXXX, and Trans-Union have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX