davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (NY)

my partner took a loan from Santander Bank to purchase a new car without my authorization, now Santander is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}
Consumer complaint received 2019-04-05
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: EQUIFAX, INC. (CA)

I filed for Chapter XXXX back in XX/XX/2009, in the County of XXXX California. I recently noticed after all this time that XXXX  has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX US BKPT CT CA  XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX District of California XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-03-22
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)

Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of  {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC (MA)

I need support with the following inquiries that were made without my knowledge or consent and request that they be removed from my reports, as they appear to be related to identity theft. I have attempted to reach out for assistance but have not received any support. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX I call the Bank of America fault department to freeze my checking account because I found there are many unrecognized transaction that I found. The following day XXXX XXXX i went to Bank of America branch at XXXX, NY to report this incident, I've been successfully dispute most of the charges, however there are three counter withdrawn ( {$5000.00}, {$5000.00}, and {$9000.00} ) still under investigation, i was initially told they will refund it within 30 business days, then about a month later when i call check fault department they told me 30-45 business days, so i waited. Into the month of XXXX when I call again the customer service person told me it will take 60 business day. Finally when I call on again XXXX XXXX to confirm if fault department receive my email which sent on XXXX XXXX, in the end I was told the check fault will take 60-90 business days. To whom may concern ; please help me anyway you can.
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management calls me at least 10 times a day for a charge-off on a XXXX XXXX XXXX   credit card account. These are the violations Ive noted so far : 1. Account was sent to charge-off after less than 120 days of late payments 2. Calls me at least 10 times a day including on a number which I did not authorize for them 3. Ive asked MCM for documentation to verify the debt and the amount and they have said the do not have the information 4. Supervisor from MCM was rude and harassing on recent phone call and told me I should have all the details on my end to verify the debt since it was your card I did complain that my card was stolen and I havent used the card in a long time. My understanding was that I had closed this account but surprised to now get calls from MCM. I am convinced that something very odd is happening between the way XXXX XXXX issues credit and how they close accounts into charge off process.
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial (NJ)

Good afternoon, I have XXXX kids I put thought college, currently my son is still in XXXX, unfortuately my husband passed away in XX/XX/2010. So a few years later i was contacted by Ameri Tech financial and i applied it sounded good and it helped me alot. they took {$99.00} every month out of my checking. But now i'm reading they are out of business and any money i paid has not applied to the student loans. Now I have paid over 2 years worth payments. i would like to file a claim or be advised how to move forward. 

thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2019-03-23
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: Colony Brands, Inc. (AR)

XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, GINNYS, XXXX XXXX XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I opened a Citi XXXX Savings online account over 2 months ago in response to an ad that promised a {$100.00} bonus for maintaining a min. balance for 60 days. It's been over 60 days and I'm still waiting for the bonus to be paid
Consumer complaint received 2019-04-04
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: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

This company is trying to collect a debt that isnt owed. Ive researched it by calling the original creditor and asking them to email receipts to me, which they have done, which prove that there is no debt to be collected. 

This company also did not send a debt verification before starting these bogus collection activities. This is for a gym membership that I canceled years ago and for which no balance exists.
Consumer complaint received 2022-11-29
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-03
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)

Today XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently purchased a house and i noticed a car loan from XXXX  on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Consumer complaint received 2021-03-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc. (FL)

I called to pay my mortgage for the XX/XX/XXXX payment with one of Superior Loan Servicing representatives on XX/XX/XXXX, which was a XXXX. They stated they do not process same day payments in their office, therefore the XXXX payment was processed and debited out of my account on XX/XX/XXXX. 
XXXX states the Mortgage is considered paid when it is received. Thus, my payment should not have any 30 day late payments for my mortgage history. 
This is crucial to my refinance efforts for this mortgage. 
Please correct the payment history to show 0x30 days for the entire life of the loan.
Consumer complaint received 2022-09-20
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. (FL)

I have tried numerous times of getting a response to these fraudulent charges on my identity and XXXX  XXXX continues to report these items without MY WRITTEN INSTRUCTION TO OPEN THIS ACCOUNT under Section 611 fcra XXXX  XXXX continues to fail at giving me a METHOD OF VERIFICATION Attached below : POLICE REPORT AND FTC IDENTITY THEFT REPORT. 
FCRA 605B In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I have the RIGHT to PRIVACY 15 U.S.C 1681 SECTION 604A. also states a consumer reporting agency CAN NOT FURNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AZ)

A {$2000.00} transaction was made from my account using XXXX XXXX late XXXX XXXX.I did not authorize this transaction. I have NEVER sent money via XXXX XXXX, this is the first time in years that Ive had my account, an XXXX XXXX transaction was made. 

I contacted XXXXXXXX XXXX but bc it can from my card they directed me to contact my bank. Contacted my bank XX/XX/2020 to dispute it. 


They said the reason they closed it was because I was logged into my simple account and I recently funded my account. I fund my account when a client pays me which is often and not unusual. I did so around XXXX that day, but I was not logged in near midnight to make the transaction. Large transactions like this are not usual on my account. They then closed my dispute with no proof. When I requested proof they said they would send it but that was almost XXXX weeks ago. I have contacted them XXXX since and have heard nothing back.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp (ID)

We paid off our mortgage on our property located at on XX/XX/2021. We have received a letter indicating that our loan has been paid off but we have yet to receive, even after repeated calls to Security National Mortgage ... and promises that the closing documents/payoff packet would be sent out ... .with no results. 

Each time we speak with a customer service representative that seems to be quite helpful. They say that they are looking up our loan, and when they find the record, they look into notes ... and tell us that the information has been requested and would sent, rushed ... .etc ... .but nothing ever comes of our requests. 

I have asked if there is another phone number/manager that I can use to get this issue rectified and I am regularly told no. 

We are at a dead end at this point.
Consumer complaint received 2020-11-03
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. (NY)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 2021-11-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

On XX/XX/2021 I received an email from Freedom Mortgage Company ( my current mortgagee ) that my loan application is complete. I NEVER APPLIED FOR A LOAN. On XX/XX/2021 I received an email requesting that I click on the above link to start the process & sign application. I called Freedom Mortgage and advised them that I had never applied for a re-fi. To which I was told that I had applied on XX/XX/2021. She indicated that " XXXX '' was my loan office and she would connect me with him. She then put me on hold only to return to advise that " XXXX '' was not available and would call me back to which he never did. Then on XX/XX/2021 I received another email stating that my loan application was being mailed to me via XXXX. I did receive the package, that I NEVER REQUESTED I NEVER initiated a loan re-fi with this company.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (TX)

Bank of Texas has charged me over {$600.00} in OD fees on my business bank account when I specifically requested to opt out of OD Protection for this very reason! This is a secondary business account and all of our small deposits are getting taken up by OD fees when we never requested OD protection. This should be against the law to charge {$34.00} per paid OD transaction when the amount being covered is far less than the OD fee itself - this is a built in rate of lending that exceeds several thousand percentage points, which should absolutely be considered theft by large banks on low balance consumers. Being a Texas based bank, you would think they would be helpful to Texas based small businesses, but instead they are choking every penny from their accounts with ridiculous OD fees on small transactions!
Consumer complaint received 2023-04-08
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. (TX)

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  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-22
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. (IL)

In my attempt to correct inaccuracies reported by ; Eperian, XXXX, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by Experian, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {$430.00} and reported by various collection agencies - once by XXXX XXXX, and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XX/XX/2019 - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court.

The date of my first attempt to correct matters was made by certified mail dated XX/XX/19, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations.

In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.