davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/2021
Consumer complaint received 2022-11-30
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: SANTANDER HOLDINGS USA, INC. (NY)

To Whom it May Concern, I am a widower, who struggles to provide for his Heirs dude to what appears to be unfair practices by the organizations listed in this complaint. I have tried to resolve this matter by getting the accounts verified, after receiving a credit report full of inaccuracies. I am currently seeking a remedy to help me provide the right and fair condition for my family well-being.

Are you familiar with : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies?

These accounts are in breach of my rights and the law. ( According to the Universal Declaration of Human Right ) Article ( 7 ) " All are equal before the law and are entitled without any discrimination to equal protection of the law. All are entitled to equal protection against any discrimination in violation of this declaration and against any discrimination and against any incitement to such discrimination. Article ( 12 ) No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor to attacks upon his honour and reputation. Everyone has the right to protection of the law against such interference or attacks. Please investigate these accounts and hold any entity in breach of these laws accountable. Looking forward working with you to resolving the matter. In this society one thing is for sure is credit because there is no money XXXX so how my credit is impacted is important that it is accurate and remain in good standing.
Consumer complaint received 2023-01-03
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. (OH)

Im accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by Santander. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. Santander at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and Santander, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (OK)

Not sure if this is the right place but I have XXXX investments purchased through Cash.app. I am trying to get them to send me my year-end documents. On their website it allows you to " try '' to download the XXXX XXXX file but I can't there is an issue on their end and it won't download. I have contacted them every day for the past month and they just send me back a " canned '' answer on how to download but it does not work. I can't file my taxes without knowing the basis of my purchases and they should be required to give me this info but they are refusing to address an issue so I can get it.
Consumer complaint received 2020-07-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

This company ( Reverse Mortgage Services at XXXX ) " services '' reverse mortgages. My loan no. with them is/was XXXX. I sold my home. It is closing today. My escrow company requested a payoff demand on XX/XX/2020. Reverse Mortgage refused to cooperate with my escrow company on providing an updated payoff demand ( one has been issued previously for the month of XXXX ). I phoned them myself 7 times today to try to get an updated demand. They state that they require 5 business days to respond to a demand request. I explained that it was very important for me to get an updated demand today ( XX/XX/2020 ), as I am purchasing another home. They refused saying that they could not supply the demand until XX/XX/XXXX because they require 5 days. I said that 5 days had transpired ... the XXXX, the XXXX, the  XXXX, the XXXX, and today the XXXX. They said they consider XX/XX/XXXX as a holiday because they were off that day. I explained to them that XX/XX/XXXX is NOT a federal holiday. I was told I could either wait until the XXXX for the demand to be sent, or I could add 2 % to the prior statement ( which would be in excess of {$3300.00}!!! ) and use that for the pay-off. Also, once the demand is sent, it calculates interest for the entire month. They are guilty of extortion. First, they refuse to provide a payoff demand in a timely fashion. Second, they endeavor to over collect by collecting for an entire month, rather than providing a daily per diem amount and/or by requiring an excessive amount of 2 %, thirdly, they count days off as federal holidays. At this time, the sale of my home is recording today, XX/XX/2020. My funds are being held by my escrow company pending receipt of the current payoff demand. I spent 4 hours today on 7 phone calls with this servicer in an attempt to get a payoff demand so I can pay them off. They refused to provide me one for  today. They said it would only be sent on XX/XX/2020. Please investigate this company!! Help me to get my funds back. The only reason I sold my home in the first place was to get rid of this horrible loan. Now I can't even pay it off because they refuse to tell me how much I owe them. By the way, by the time you work on this, I will no longer be at this address. Given the circumstances, I'm not sure where I will be. Please contact me by phone ( XXXX ) or by e-mail ( XXXX ). - XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

The accounts in collection are not authorized transactions by me the consumer. The following accounts are being reported negatively by XXXX, XXXX, and XXXX. It is affecting my credit worthiness and damaging my reputation. 

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

2020 i discovered a fraudulent bank loan account on my Experian credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had Experian to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with Experian credit bureau gives me no hope to resolve this issue with XXXX XXXX XXXXl lending intuition reporting a fraudulent account to my Experian credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. Experian out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (WI)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).
Consumer complaint received 2022-09-18
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. (PA)

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX  XXXX XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with XXXX & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with Bank Of America.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at Nordstrom. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian in Violation of reporting negligently and inaccurately information on my credit report Misleading False Reporting all account is negligently and inaccurately reporting failing to comply to 15 USC 1681. From Address, Employer Misleading information
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (TX)

My first payment was due on XX/XX/XXXX in which I mailed the check, however their practices are that once they receive the check they dont post received on account until it clears the customer bank account which made my first payment be in default. This is now XXXX and the sent a request to the dealer to buy back the loan. After several calls to finance company and dealer they were not being truthful on recorded lines except XXXX the manager of XXXX who was on vacation. This is not the way this should work for the customer. I have recorded calls as well and email communication.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX and XX/XX/XXXX XXXX, I tried several times to transfer money from my XXXX  payroll card to a joint checking account in my name, and it repeatedly came up with an error message in the app and on the website. I tried contacting truist using the online chat function,, they were unable to help and was sent to a different phone line, they sent me to a differrent support line, and all three were unable to fix the issue.
Consumer complaint received 2022-11-30
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. (OH)

I'm 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 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 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
Consumer complaint received 2023-06-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a XXXX year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this. 

I called again after hours and the voicemail states XXXX XXXX XXXX. I called again in office hours, and again, they answered the phone XXXX XXXX XXXX. I have filed a complaint against XXXX XXXX XXXX, but it seems they are using a DBA or a false name. 

P.S. I wanted to upload the threatening voicemail but the upload function is not working. Here is the transcript : " Attention this message is intended for XXXX XXXX this call is pertain to case file number XXXX my name is XXXXXXXX with the county XXXX division call with a notification that legal documents requiring your signature if you will not be available to sign if any changes need to be made to the time day or location of service for more details please contact issuing your case. If you do not respond to this a failure to appear will be issued in your name ''