davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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: Santander Consumer USA Holdings Inc. (AZ)

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX van. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Consumer complaint received 2022-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

Fifth Third Bank in Ohio services my Loan. I recently filed a complaint and it was dealt with and closed, # XXXX. However, the bank staff did not complete their responsibilities and I had to contact XXXX XXXX for Assistance. Fifth Third is again abusing my funds in my mortgage account. 
FEMA stopped providing flood insurance several years ago and their customers were transferred to the National Flood Program. During that time, FEMA quoted me {$3800.00} annually when I was paying {$460.00} for over 10 years. I was in a panic but they told me that my servicer would provide forced flood policy, which they did for several years, maybe 4 years and the cost was from {$960.00} to {$1300.00}, it varied. During my Covid Closing/Deferral etc in XXXX, finally after 11 months of problems at Fifth Third, they Loss metigation person instructed me that I could get flood insurance much cheaper on my own now that it was farmed out to insurance agents through the Nat Flood Program . I found coverage for {$520.00} annually and obtained a policy and sent proof to Fifth Third. I also followed instructions to send my written request by email to close the escrow and my my mortgage payment would be reduced back to normal. Before Escrow, my payment was {$470.00}. It has changed over time with the escrow added.

I have received two statements from Fifth Third and made the following payments. {$340.00}, {$580.00} which was to cover the negative forced flood insurance payment they made on my behalf and close escrow. However, my loan was closed before all that occurred. My statement shows active/open escrow account with {$520.00} current balance and my payment mortgage payment was reduced from {$580.00} to {$550.00}, which still included {$82.00} monthly escrow payment. My policy I bought privately is paid through XX/XX/2023. By that time, they will have collected {$980.00} and my escrow will be {$1500.00} for a flood policy of {$520.00}. 
I did not open escrow, I do not need escrow, I have asked for it to be closed again, and again. At the present time, it is being analyzed to determine the problem. 
I do not want escrow, I do not need escrow. That money is my grocery money. I am XXXX and on SS and XXXXXXXX XXXX income. I pay my own house expenses including property taxes, homeowners insurance and flood until FEMA changed over to NFP. I appreciate Fifth Third providing the forced policy but I no longer need it with a premium of {$520.00}. They are escrowing me for the forced flood amount and a slight buffer, which is not needed. This is illegal.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion makes it real difficult just to put a freeze on the account, and if you want to know what the credit score is on your account they want to charge you a monthly {$30.00} fee for that information.

The other credit bureaus are much better and more user friendly and don't charge you for that information and don't make it difficult.

TransUnion should not be able to control or make any changes to your credit. They just try and SCAM you out of your money for a service that should be Free. 
The US government " CFPB '' needs to shut down TransUnion.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (CT)

The company was supposed to pay a redress in the form of a refund. Insteas of mailingnme mt XXXX dollars, they put it towards a " balance '' I owed to them from an overdraft service in which the settlement was about. So they basically used the money to pay themselves.
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ORG GC GP BUYER, LLC (TX)

XXXX XXXX XXXX  GC Services Debt Collector File Number : XXXX XXXX XXXX XXXX Total amount owed {$1000.00} as of Monday XX/XX/2020 with GC Services Payment made on XX/XX/2020 in the amount of : {$200.00} to GC Services due to feeling pressure to pay. 

Total amount to be paid is {$1200.00} to GC Services Original Loan was a smart loan with XXXX XXXX   or XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. XXXX  XXXX XXXX, TX XXXX XXXX Loan number is : XXXX Taken out on XX/XX/2020 Original Loan amount was : {$1100.00} As of today XX/XX/2020 the principal balanced owed to XXXX XXXX XXXX  Texas is {$960.00} and the Principal and Interest Balance owed is : {$1200.00} with my payment made on XX/XX/2020 in the amount of {$200.00} reflected ... 

GC Services took over collection for this smart loan. 

For my checking account number ending in : XXXX I owe an overdraft balance of {$100.00} a balance I have been making payments on to XXXX out ... 

XXXX XXXX  refused to allow me to pay my overdraft fees and balance on my checking account first and insisted I pay off this smart loan first ... All the same I did make some good faith payments to my overdrawn account to bring that overdraft balance down to a XXXX balance..I will continue to do this till that overdraft balance is paid in full ... I also tried to call about my smart loan but was asked excessive security questions and was then refused help after waiting on hold for a total of thirty minutes ...
Consumer complaint received 2020-10-23
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)

Experian has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Consumer complaint received 2020-09-18
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. (AL)

I have 8 active open credit accounts. For the last 3 to 5 years I have paid on time and paid off balances on most of them consistently.The creditors seem to be doing their part but the 3 credit bureaus are not up to par with increasing my score ... yes I have a couple of accounts in dispute but that should not affect the fact that I have been been working really hard and nothing is moving.2 points here 1 point there is not what I'm working hard for I need you to investigate the 3 bureaus do they can give me my points due to me!!!
Consumer complaint received 2022-07-22
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. (CA)

Ive been trying to have this issue settled several times, and this has not been handled properly, I will be forced to sue if my request is not listened to. This company reported that this information was provide by XXXX XXXX and was verified. Per my attachment, that is not possible due to my consumer profile being frozen. This is a direct violation of my rights! 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXXXXXX XXXX XXXX as is reported as having a bankruptcy on my credit report : XXXX BANKRUPTCY XXXX- XXXX I am demanding that this account be Deleted. 

You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (IA)

I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX & the places I have cards or accounts thru, I have places like aXXXX XXXX XXXX  and XXXX XXXX XXXX just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or equifax. 


There is a collection on equifax for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.
Consumer complaint received 2022-07-22
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: OneMain Finance Corporation (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, ONEMAIN XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

XXXX XXXX XXXX is charging me for the full amount of my emergency visit after failing to bill my state insurance that would have paid all of it. I called twice and was assured that it would be billed properly and it never was. I contacted my insurance and they never received anything from them. The debt collection agency they are using is not being helpful even though it have proof from my insurance company that they never billed them and they have my insurance information on hand. They told me they would list it as disputed but instead they listed it as a valid debt without providing any proof that they have done their job.
Consumer complaint received 2022-07-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I have obtained my consumer reports and seen 3 collection accounts on it from Wakefield and associates. The amounts shown on these accounts are {$1000.00}, {$1000.00} and {$430.00}. I am making you aware that my consumer rights is being grossly violated, for one, I do not know how this company obtained my consumer report as I have never done business with them, I don't have any express agreement with this company and or this alleged debt is not permitted by law which violates 15 usc 1692f ( 1 ). Secondly I have the right to priavcy and it is abusive invade a consumer privacy pursuant to 15 usc 1692 ( a ). I don't know how my private information get in this company hands but I am demanding that this company cease and desist communication with me through any and all means this is including communicating with the consumer reporting agencies pursuant to 15 usc 1692c. I am also demanding that you send a valid proof of claim, this includes but not limited to all book keeping entries and and ledger on the account so I can verify this account.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

On XX/XX/XXXX, I called to get the amount of months left on my loan. I was told I have approximately 10 years and a few months left on my loan, but that could change if my loan payment fluctuates ( goes up or down ). When I initially signed up for the student loan forgiveness payment plan, I was told that I would have to pay on my loan for 20 years and after the 20 years any remaining balance would be forgiven. I don't understand how my loan period would be extended beyond the 20 year timeframe if my loan payment goes up or down. What does the amount of my payment have to do with extending the time period of my loan and eventual forgiveness.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (NM)

I had a hospital Bill from XXXX XXXX that was fully covered by my insurance. I never owed the money that they tried to bill me for. The hospital had sent my bill to debt collections. After months of talking to the hospital, debt collectors and my insurance the mistake was fixed. I DO NOT owe the hospital any money my current balance is {$0.00} and has been {$0.00} for over a year. I still get calls about paying this bill and Ive tried to send them proof and contact them. The debt collection company has sent me out of service numbers and incorrect emails to send them proof of {$0.00} balance. I get told theyll look into it and I wont hear anything till they call to collect again. My credit score is ruined and my report says I owe money to them still. Ive filed 3 disputes against them through XXXX but only one dispute went through for a partial amount of the bill. The other two disputes I was told to contact the debt collection company where again I was given an out of service number.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (FL)

On XX/XX/2022 I filed a dispute for two charges with Current. I previously had money withdrawn from my account with a credit repair company. After further research I canceled the service, no services where received from the credit repair company. Feeling that it was a scam made several attempts both email and phone calls. But to no avail could not make contact with the credit repair company. 
I first filled a dispute in XXXX of 2022 with Current, but no action was taken or dispute was filed. Two months later after calling again to find out what the status was. The person stated that there was no dispute filed. So on XX/XX/2022 a dispute was filed. The resolution date stated a completion of the dispute would be completed after 90 days which would have been XX/XX/2022. After reaching out several times to see what the status was, it still said the dispute is still in review. 
It has now been 3 days past the 90 days and haven't received any response regarding the dispute. The amount that is in dispute is {$220.00}
Consumer complaint received 2022-03-09
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: Rocket Mortgage, LLC (CA)

On XX/XX/2022 I visited the rocketmortgage.com website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed this was Experian and they will not remove a bankruptcy that is far too old to be on there. 
Account Info Reference Number XXXX Court US BKPT CT GA XXXX. I have also called the US bankruptcy court in XXXX Georgia and they have no record of this. So I'm not sure how they are checking the dispute.
Consumer complaint received 2020-09-17
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. (MI)

I contacted equifax, and XXXX regarding fraudulent inquiries on my credit report I sent equifax and XXXX copies of my identity theft report But still the fraudulent information remains on my credit report.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2022-07-22
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.