davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (LA)

I had contacted Santander Consumer USA I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A&D Mortgage LLC (FL)

A & D Mortgage LLC has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had contacted XXXX XXXX XXXX I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (AR)

The Money Network Cardholder Services ( EIP ) bank that handles the stimulus payment debit cards will not provide a customer service person to speak with. After my first call when I inquired the balance of the card, I cant reach anyone in customer service by phone at the number they have provided,XXXX. No prompt is made available to connect with a person at this faceless institution.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$23000.00}
Consumer complaint received 2020-05-29
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: CITIBANK, N.A. (GA)

We filed the initial response with Citibank on XX/XX/XXXX. We have sent requested information to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The dispute was resolved in our favor and a permanent credit was issued on XX/XX/XXXX. We confirmed this permanent credit with Citibank via phone on XX/XX/XXXX and XX/XX/XXXX and were assured both times that Citibank would honor the permanent credit. The permanent credit was then reversed on XX/XX/XXXX due to the merchant 's response. We have requested the merchant response and have received 3 blank pages. We were told by a supervisor, XXXX, on XX/XX/XXXX that on his end the merchant response also showed as 3 blank pages. Today, we were told that there is in fact another page, which we are entitled to receive, but Citibank is refusing to provide us, relative to the merchant response. Out of an abundance of caution, we responded to the reversal and stated that we intended to continue the dispute and submitted yet again, the information that has been previously sent to Citibank on XX/XX/XXXX. Today, XX/XX/XXXX during one phone call we were told that the information we sent was input into their system on XX/XX/XXXX. Then, during a second call, we were told that we had yet to respond to their request. We have sent proof of our claim against the merchant, who fraudulently installed incorrect carpeting and refused to provide a final invoice for what carpeting was installed or any warranty information, more than 5 times at this point and would like our permanent credits reinstated. We have downloaded the correspondence from Citibank that on XX/XX/XXXX they found in our favor and issued permanent credits which they have now reversed.
Consumer complaint received 2020-08-26
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)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Model Finance Company (FL)

XXXX from model finance company called and hurassed my mother about a XXXX XXXX and said he will take me to jail. Guy wouldnt let me get a word out and he yelled at my mother over the phone saying she is going to get arrested as well
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, Discover decreased my credit limit significantly, and the reasons on the letter seem inaccurate and misleading. I called their Credit Operations team and inquired about the erroneous information and was told the credit reporting came from XXXX. I advised there is no collections on my account and after investigation from the representative they confirmed the same so he proceeded to attempt to reinstatement my credit limits to what they were before this change, but was not able to do so. Instead, he advised another set of generic reasons for the decline, my " credit to debt ratio is too high ''. I would like to have this issue rectified as this has likely not happened to only me before. I work hard to keep my accounts and reporting in good order. It is not fair that the mistake should be kept in place. I asked the representative of Discover for the credit report ID number so I can discuss with the credit reporting agency and I was told that info does not exist. Furthermore, the company does a poor job with their reasoning for adverse actions. In the past when asking for credit limit in increases, I get generic reasons such as " inexperience with current credit limit or history of the current account ( s ) '' in which means I would have some kind of negative history with my account, but when I call and inquire about these reasons I am told it is based on " several '' factors and that is just one. To me this is not fair or appropriate if it results in adverse decisioning.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC (MS)

Multiple calls to me and call to my former recruiter. XXXX XXXX from Revenue Reporting called and left a message for me on XX/XX/23 and XX/XX/23. I got a call from my ex-recruiter on XXXX saying this person had called him. I returned her call and asked her not to contact my former recruiter as he is just an employee for that company and doesnt operate in a HR or managerial capacity. That this disrupts his work day. I asked her to please mail me all information that explains exactly what she is calling about so I have it in hand. I still do not know. She goes on to say with the nastiest, condescending tone that her IP tracker knows I opened and email she sent and since I asked her to not call my former employer she would submit verification forms for something. Still unsure for what. I then hung up the phone. I felt she was threatening to use my info in some way. Considering her tone, I knew I would not get any helpful info from her.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (GA)

I've paid the balance with Discover in the amount of {$550.00}, XXXX XXXX XXXXXXXX in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX XXXX  and XXXX   However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.
Consumer complaint received 2022-07-05
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. (OK)

I sent a letter off on XXXX XXXX to Experian, XXXX, XXXX, tracking number for each letter Experian # XXXX, XXXX # XXXX, XXXX XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (AL)

Credit Corp Solutions are in violation of the CFPB 12 CFR 1006.6 They continue to report to credit reporting agencies and collect on an alleged debt. They have not validated this alleged debt. i have sent a cease and desist letter this is my second attempt.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (IA)

I was sent into collections from XXXX XXXX on XX/XX/2022 and on the same day I made a payment. I was always sent a reminder in the mail to make a payment and instead of trying to contact me to get this resolved they just turned me into collections. No phone call no mail nothing and on top of that XXXX Accounts the debt collection agency never notified me of any such collection. Again, no phone call, no mail nothing!!! Tried to rectify the situation with the doctors office and they would not even accept a {$50.00} payment from me to try and pay off my bill with them.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and Westlake Financial Services on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from Westlake in attempting to resolve this matter.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/23 XXXX : I received a text message that my phone number has been used as the primary number for a Capitol One account. 

I logged into my XXXX account and noticed that a credit inquiry was processed from Capitol One on XX/XX/23 for a new credit card ( I did not apply for this card. 

Called Capitol Ones fraud department. The fraud department told me that my social security number and name matched the application, however the birthday did not. And because my birthday did not match the one used on the application, it was not fraud. The further told me that they have had a number of instances where multiple people have the same social security number, and that this is possible.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I'm working hard to protect my credit and this account is stopping me from getting a house I disputed it before this account says it was opened at the time I was incarcerated In accordance with the fair credit reporting act LVNV account # 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 section it also states that a consumer reporting agency can not furnish a account without my written instructions I have been incarcerated since 2018 so this debt is a result of fraudulent activity
Consumer complaint received 2020-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

I have a Savings & Checking Acct with Wells Fargo. Their online service does not allow me to reset my Online password as they ( Wells Fargo, Online support ) acknowledge the existence of a technical glitch, where if the client does not have a debit card, it will not allow the user to reset their password online without having to call in causing unnecessary aggravation and loss of time to the client.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NY)

I originally contacted Experian via certified mail on XX/XX/2023 to dispute information reported to Experian by XXXX XXXX. The account numbers are XXXX, XXXX, XXXX, XXXX. The report number is : XXXX. I have disputed four XXXX  XXXX accounts on my Experian report that contains incomplete information. Credit reports must have complete information pertaining to up to 7 years of payment history. Status must be reported and updated every month to credit reporting agencies. I have notified Experian of the incomplete data twice. Experian updated these accounts following my dispute with incomplete data. Their investigation failed to update accounts with current information. This is a violation of FCRA LAW! I have the right now to seek damages for violation of FCRA law in federal court.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello my name is XXXX XXXX. 
- XXXX  months ago ( XXXX XXXX XXXX ), {XXXX} was stolen from my XXXX XXXX checking account and there are many fraudulent transactions from different stores and in different cities Im XXXXXXXX XXXX listed on my bank account and Im not sure who did this or why. 
- I am now out {XXXX} in my account and that was my XXXX XXXX XXXX  XXXX - Ive tried to dispute this issue with XXXX XXXX already and they denied my claim multiple times claiming that it was me who made those transactions and I was at home when all of this happened.
Consumer complaint received 2022-07-05
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: AMERICAN EXPRESS COMPANY (TX)

I am disputing {$13000.00} of fraudulent charges on my American Express card. I contacted American Express back in XXXX of XXXX and told them the charges were fraudulent. I reported this to the police. I told American Express who used the card without authorization. I got an American Express card because I was told there was fraud protection. The card never left my possession nor did I give out the card. American Express continues to deny my claim and I don't know what else to do. 

I have been dealing with this for months. I even emailed the CEO of American Express. 

They are now reporting me to credit bureaus and my XXXX score has been reduced. I have always had outstanding credit and never had a dispute like this with any credit card company or mortgage lender. 

Please help me.
Consumer complaint received 2023-07-21
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. (MN)

Personal Statement I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.