davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (MO)

As a federally protected CONSUMER I requested an extension of my credit from XXXX for family and household purposes and they processed the transaction with Santander. Santander fraudulently required me to put a downpayment to receive my extension of credit. Not only did they do that, but when I found a car for less money, they raised the down payment amount to {$21000.00} making the terms of the credit transaction impossible for me to move forward with. Santander is in violation of TILA. Santander has unauthorized use ( XXXX5 usc 1602 ( p ) ) of my credit card in which they received my number but of no benefit to me. It has only harmed my chances of bringing home the car. I am fully prepared to exercise my right to remedy under TILA and will avoid going through the normal channels, but to the trustee indenture, then court. This is not a full reflection of violations against me and actual damages have been experienced by not being able to bring home a new car. 15 U.S.C. 1602 - ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

I dont even know if its me they are trying to get a hold of, since I get other calls for the previous owner of my number. They keep calling without leaving a message, and when I block them, they call under a different number and use the same tactic of calling and hanging up without leaving a message. Im assuming theyre a debt collector because thats what I get when XXXX  the name ( Midland Credit XXXX Always shows up no matter what number they use. ) If its me theyre after for a debt, the least they can do is honestly get a hold of me instead of constantly just calling and hanging up. Thats downright harassment and poor business practices.
Consumer complaint received 2022-12-28
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX : # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Has violated my rights. 

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-23
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)

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT.

15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (NV)

I have a mortgage account with Guild Mortgage and have for several years. I do almost all my account servicing through the company 's online account portal. Last XXXX, XXXX, my online account access ceased to recognize me. This happened once before for less than a month before the online access was restored. I have easily spent over 40 hours of my time trying to get this resolved. I have called and written to customer service, escalations, the local office and the customer service point person XXXX XXXX, stopped responding to the status of the resolution XX/XX/XXXX. He did tell me quite a long time ago that this issue is a 'known problem '' with a few accounts. For the first six months I had no account info at all as I opted for paperless setting. I do receive mail statements but I must have full, reliable, 24 hour on line access to my mortgage account. I have reported this the the area XXXX  last month and they have not received a response from the company. I do not know what else to do. The staff at Guild are always professional and courteous but my serious problem does not get fixed. I am hoping that by escalating the complaint to 3rd party enforcement agencies, that I will finally get back my full on line account access for my mortgage.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (SD)

I first contacted TD Auto Finance on XXXX XXXX, 2023 to get a lien release that we have never received. They told me it would take 7-10 business days. Never received the lien release. I contacted them on XXXX XXXX and they said to give it a few more days. On XXXX XXXX, I called again and got a run around. Here is a list of every time I called. 
XXXX XXXX asked for status XXXX XXXX they told me it was escalated and I should have it in 5-7 business days XXXX XXXX status, they are working on it. 
XXXX XXXX status, escalated again, this time to next day mail, also asked for a fax along with mail. 
XXXX XXXX called for status. I was told it would take 3-5 days for processing XXXX XXXX status, they are working on it XXXX XXXX status, they are working on it XXXX XXXX status, they claim they will have a tracking number by XX/XX/XXXX or XXXX. 
It is now costing money for fines and penalties.
Consumer complaint received 2022-04-23
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account:XXXX has violated my rights!

15 U. S. C. 1681 section 602 A : states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

MY COMPLAINT IS SUBMITTED BY ME PERSONALLY. IT IS NOT INFLUENCED BY A THIRD PARTY OR ANYTHING OF THAT NATURE. PLEASE REVIEW MY ATTACHED INFORMATION.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

I've been a member of the Navy Federal Credit Union since XXXX. 
On XX/XX/XXXX, I called Navy FCU to see if they could lower my interest rate of 12.94 % on my credit card since I've been consistent each month on my credit card payments. The representative who assisted me was named XXXX. She informed me she did a soft pull of my credit and the system denied my request. She was unable to inform me why stating it could be for several reasons. 
I was told in writing by the credit union that my credit score is XXXX and was thank for my consistent payment history. 
I informed them over the past few years, I've requested to have my rate lowered several times especially since I've taken all of the proper steps to increase my credit score, change my debt to ratio, and by making payments on-time. Why am I keep getting denied? The rep told me the system doesn't give them a reason. 
I emailed the bank several times requesting an appeal and to forward my appeal to the corporate or regional office. Each time a member responds with a vague answer such as you're not eligible at this time. I'm beginning to wonder how many others are treated like this? Is it because of my XXXX  they're refusing to lower my rate?! Do they deny other races that have a credit score of XXXX or higher. What other reasons would it be for consistently denying my case?
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I am a victim of fraud, I have had multiple accounts opened under my name, social security number and an address that is not mine. I alerted Experian to start disputes and made a police report. According to my credit records a XXXX XXXX XXXX account was opened under my information in XX/XX/XXXX without my permission and knowledge with the outstanding balance of {$980.00}. I made the police report on XX/XX/XXXX, then called XXXX XXXX  on XX/XX/XXXX to discuss the account that is not mine and the worker simply told me my dispute was denied and I was responsible for paying the outstanding balance with zero explanation. I then mailed XXXXXXXX XXXX a copy of the police report with my information on XX/XX/XXXX to which no one got back to me on.
Consumer complaint received 2022-06-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -NO written instructions from consumer to furnish information
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

their is a collection on my report from XXXX XXXX  stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting XXXX XXXX XXXXXXXX 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 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-04-23
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 604 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 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion and XXXX refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am me!!!!!
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime is suspicious of me for receiving unemployment from Michigan when I currently live in XXXX. Theyre asking for me to verify how I qualified when i simply called in and gave the unemployment office my employer ID and social and verified my residents. Ive sent them my approval letters from the state of XXXX  and theyre refusing. Please assist me in getting them to actively investigate by calling the unemployment office and release my funds so to stop playing XXXX with financially vulnerable people because they can without consequences.
Consumer complaint received 2022-04-23
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. (TX)

15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) se
ts forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Regional Management Corporation (NM)

XX/XX/2021, Regional Finance sent a check and somebody who is not me cashed it. This resulted in me owing them money and impacted my credit report in such a negative way that I am no longer able to receive a mortgage to buy a house. They said it has not been paid in 120 days so they wrote it off and are waiting for it to be sent to collections. I have filed a police report, contacted all of the bureau 's and was told I need a letter from Regional Finance acknowledging it was fraud to get this off my credit report. Regional Finance has been uncooperative, they told me that they wrote it off and there is nothing I can do until a collection agency buys my debt.