davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (UT)

My car was impounded when my brother was leaving for work. Santander confirmed on XXXX that they had repossessed the vehicle. They confirmed that they had not tried to call or notify me since XXXX. They spoke with my mother, not me. A letter was received on XX/XX/13. It was taped on my door from another resident. The letter stated we could call and ask in writing for a statement including fees. Several different reps said thats not how it works. I was told XXXX amount on XXXX day, then a different amount the next. It is all written down. I was also given XXXX different account numbers. We had secured financing from another bank to reclaim the vehicle. When XXXX contacted Santander about paying off the loan, Santander said they would not take the check. Nowhere on my document or in writing did we get verification of how funds needed to be sent. Santander would not provide in writing the amount owed or how it was to be paid. They changed the password on my account with someone other than me. Also sent a copy of the title to someone other than me. I asked for an extension, XXXX rep told me that its too late. Accused me of just getting started with the process.Told me I should have started a long time ago. She refused to help in any way. 
I did finally get an extension, but Santander would still not provide me documents detailing the exact amount owed. They stated thats not how it works. 
They talked to another unauthorized party on XXXX in the morning. They then talked to XXXX XXXX without my authorization on day XXXX, which was the last day we could secure the loan. They told XXXX that they would not accept the check. I no longer have access to my account online. The recording tells me {$800.00} is due. 
The company to retrieve my items goes to voicemail. I explained that to the rep, she denied that. On XXXX collected {$410.00} from me plus XXXX for a random fee that was never mentioned before. This was after they had already talked to XXXX. I authorized XXXX to speak about my account later that afternoon. 
We went into XXXX on XXXX and that is when I was told Santander wouldnt accept the check. They would only give us a 15 day payoff in writing. 
My mom used this vehicle for work. Due to Santanders lack of cooperation, she was let go.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (OH)

I have been working with Aimloan.com for ~2 years. I have reached out to them 7 documented times in the last 3 months in an effort to remove my PMI. I continue to get the run around. They ask me to fill out paperwork, which I do, but will not process my request to get a formal appraisal completed. They then told me to send them an email and told me what to put in said email. I do that and their reply in the email is to call the XXXX number that I've already called 7 times!
Consumer complaint received 2022-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I paid my XXXX bill on the XXXX I called in on the XXXX and the XXXX and was assured even though that was day XXXX that it was not being reported to credit agency due to the payment being made and then used that to attempt to collect a debt ( on a recorded line ) then I saw they have reported to all three agencies, I called the company XXXX and was hung up on repeatedly after I made them aware of the mistake. So in summary they lied in order to collect a debt. Which is ILLEGAL.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AR)

Company is US Bank. FDIC Certification # XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Check fraud occurred on the account on XXXX, two checks were washed and mobile deposited. One for {$3500.00} ( check # XXXX ) and the second for {$4400.00} ( check # XXXX ). The second check did not clear based on insufficient funds. Both of these checks are still physically still in my checkbook. US Bank did not catch these checks, I did and froze the account. As of this date, XXXX, the bank has not returned the money even though they have admitted the checks were fraud during numerous phone calls. They keep stating they have to complete their fraud investigation process. A local bank branch manager has looked into the case and has stated US Bank is trying to get the money back from the bank institution that processed the mobile deposit. I have called daily and weekly to get updates and they still will not give an answer as to when our money will be returned. 

Their investigation has no relevance to our money being returned, they can investigate on their time. They have admitted the checks were fraud and need to return the money immediately. Their fraud process is terribly flawed to the point of punishing the consumer it has affected. Their security measures to prevent check fraud greatly failed and they will not provide any information relevant to when the money will be returned.
Consumer complaint received 2020-05-19
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. (CA)

XXXX illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my experian report and XXXX inquiry is still showing on my report.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Bank Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Receiver Address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX First money transfer on XX/XX/2022 Bank name : Wells Fargo Bank Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX ReceiverAddress : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX : XXXX Second money transfer on XX/XX/20XXXX XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

CITIZENS ACCESS CASE Number : XXXX I have lost access to my online bank account since the beginning of XX/XX/2022 when the company performed upgrades on their systems. As part of the upgrade, I was required to update my password. When I attempted to do so I got the following message from their system. 
" We have encountered an error- please try again after some time. We apologize for the inconvenience. '' I then called the customer service number on XX/XX/2022 and they were NOT able to access my account with my Name, Social Security Number and Date of Birth. They told me that for some an unknown reason the system did not recognize me. But not to worry had a backup way to verify my identity using public domain information. I got one of the question wrong and they told me that I had to wait 24 hours before they could try again. So I called the next day, had to explain the whole situation to another customer service rep and this time I got the questions right so they were able to access my account. I asked them to help me update the password and they said that they could NOT do it as it was beyond their capabilities and that someone that could help would call me back. I then asked for a direct contact number/email for the of the agent and they said that they were NOT allowed to do so and that I would have to call the customer service number and go thru the same process of answering the public domain questions as they could not associate my account using my my Name, Social Security Number and Date of Birth. 
I have a significant amount of money in their account and I am not getting any responses from the ONLINE bank.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-02-06
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. (MI)

TransUnion is defaming my character and ruining my reputation by furnishing erroneous information on a consumer report without my authorization/consent. TransUnion is in direct violation of the Fair Credit Reporting Act. The information TransUnion reporting is inaccurate and unfair. On XX/XX/XXXX I applied for a personal loan with discover and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a financial product with XXXX Bank and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a house and was denied because of eviction records that are being reported by TransUnion, I contact the XXXX district court and they stated " The XXXX district court does not report to any credit bureau '' ; TransUnion is not respecting my privacy, court records are private to me and I have a right to privacy under the privacy act of 1974 as amended, 5 U.S.C. 552a. On XX/XX/XXXX I contact TransUnion regarding the erroneous information that is being reported without my authorization/consent and informed the agent that the information is inaccurate and unfair. I have been severely disadvantaged by TransUnion, which has caused me injury damages, mental anguish, and XXXX XXXX. ****SEE ATTACHMENTS FOR PROOF****
Consumer complaint received 2022-07-06
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. (NJ)

The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : XXXX - tracking # XXXX TransUnion - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted XXXX address on my credit profile. All followed, except XXXX. On XXXX XXXX, XXXX emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove 1 old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights
Consumer complaint received 2020-05-19
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: Mortgage Research Center, LLC (AL)

Veterans United Home loans have issued my VA loan and the VA XXXX XXXX also have given up my entire service record and secures a loan I did not even see or sign. I previously changed my information because it was a person I know I know find it not fair to me that because of these entities failure to confirm the home loan I would not have been penalized for it by dropping my score due to the privacy act violation of the VA and I along with my kids have been terribly affected by the lack of due diligence and I want my score to reflect my history before my information was given and accepted by someone who had my information and I was then locked out of my own accounts
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I have never in my lifetime signed nor authorized for the over {$15000.00} amount of XXXX loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for XXXX! loans at XXXX XXXX for XXXX quarters when I attended their school for 6 months in 2007. I have submitted a XXXX XXXX claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} XXXX that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputes to TransUnion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX XXXX and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-05-19
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: OPORTUN FINANCIAL CORPORATION (CA)

Opportunity illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my XXXX report and Oportun inquiry is still showing on my report.