davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (NJ)

**THIS IS NOT A DUPLICATE COMPLAINT** SantanderUSA took part in a financing arrangement without lawful consideration rendering the agreement void ab initio . Similarly, the agreement was created in breach by ignoring and/or not giving XXXX XXXX XXXX full gaith and credit, full benefit, full remedy and/or recourse, providing accommodation and consideration to all applicable doctrines and accounting documents with full disclosure and compliance of the following : 15 USC 1605 Determination of finance charge 15 USC 1662 Advertising of downpayments and installments UCC 3-104 Negotiable Instruments XXXX XXXX Any and All Obligations IRS FORM 1099 C Cancellation and Reporting of Taxes As a result of the deficiencies found within the initial agreement between XXXX XXXX XXXX and both SANTANDER BANK its affiliates, subsidiaries including but not limited to XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX we again move to exercise our Right of Recission pursuant to 15 USC 1635. This response serves as our Notice to Cure and any escalation of these matters will enjoin XXXX XXXX XXXX and the XXXX XXXX XXXX and may lead to legal process at your cost.
Consumer complaint received 2023-01-21
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. (MI)

The Credit bureaus stated XXXX funding {$26000.00}, XXXX funding {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.These accounts was parked on my consumer report without notifying me by mail or phone call .This grounds for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well .As a consumer I have a right to opt out of being reported and now Im exercising my rights to do so.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC (TX)

I am writing to file a formal complaint against XXXX, XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX, XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX  to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, XXXX, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX, XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX, XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX, XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX, XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history.

The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly.

Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.
Consumer complaint received 2023-01-21
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. (GA)

I am reaching out about an ongoing issue that has yet to be solved dealing with my TransUnion consumer report. I have been dealing with this inquiry for the past month now. This inquiry is deemed as fraud. I reached out to XXXX who provided me with a deletion letter requesting that the inquiry be removed. I sent this letter along with a cover letter requesting that TransUnion remove this inquiry from my consumer file ; nothing has yet to be done. When I spoke to a TransUnion rep, I was told that I needed to send a deletion letter along with a copy of my ID and SS. I have done exactly that yet, and the inquiry is still there.
Consumer complaint received 2023-01-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX have 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.. 

XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXX  Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXXXXXX acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX
Consumer complaint received 2023-01-21
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 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 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 2023-01-21
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: LEXISNEXIS (TX)

I've informed XXXX, XXXX, XXXX, XXXX, XXXX, LexisNexis, XXXX and XXXX about these errors. And haven't seen no update. Due to this matter. It is against the law to propagate false information or to use unauthorized consent of a person Name and information. Could we please diffuse this matter
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

First- I see over 400 reviews on XXXX  saying that this FAKE debt collection company is a SCAM and so many users claim they have been reporting to government agencies. So I implore you to take action before more vulnerable people lose money. 

The company is called Sequium Asset Solutions , LLC In my case, they keep claiming they are representing XXXX XXXX XXXX XXXX ( I can see from many other complaints that they typically claim they are representing any sort of phone or internet or cable companies ). 

Personally, my phone is linked to a Business account in my partners name so I have NO account at all with XXXX XXXX XXXX. It also shows that the account is related to an INTERNATIONAL mobile number and I have never lived outside the US or had an international number. 

When you call them they attempt to " VERIFY '' your account and try to get very personal information from you. If you do not provide this additional information ( info that the real XXXXXXXX XXXX  XXXX would never ask for ) they will not talk to you. 

I have been receiving multiple threatening letters from them since XX/XX/2022. The letters claim that I owe {$250.00} for an XXXX XXXX XXXX XXXX number XXXX. I have also confirmed at an XXXX XXXX XXXX store that this is a SCAM and they do not call their company XXXX XXXX XXXX XXXX and that is not a real number. 

I have put an identity fraud block on my credit report. I am not sure what else I can do other than report this company here.
Consumer complaint received 2022-10-03
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. (NY)

My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.
Consumer complaint received 2020-04-23
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. (CA)

I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (WV)

Account # XXXX, XXXX In about XX/XX/XXXX XXXX represented that they could provide 5g home internet service at my home in XXXX, WV. When I received the device it did not work. For eight ( 8 ) MONTHS XXXX was " fixing '' the problem. They sent me new hardware, they were constantly " upgrading '' towers, and software. During this time I received NO services from XXXX and although they did attempt to charge me for several months, when I called the customer service line they could see that I was not receiving any service and either waived the bill or refunded the charges. After 8 months I sent their equipment back and we ended our relationship. They apologized and thanked my for my patience. However, a month later they sent a bill for the last month 's service to XXXX XXXX XXXX XXXX, WV. This address is not a valid address. The US mail does not, has not, and will not deliver to this address. Consequently, I never received the bill. I do not owe the bill, but I would have disputed it right then and there had I known. XXXX had my credit card information and my correct billing address at the time but chose to mail a bitll to a bad address. At not time previously had we communicated in this manner. In XXXX, XXXX my account was sent to collections and has negatively affected my credit report. I have contacted XXXX XXXX XXXX ( collections ) for a resolution and they referred it to T-Mobile who insists it is a legitimate bill. I have contacted XXXX who claim they can do nothing and I must talk to XXXX XXXX XXXX In summary, my reputation has been damaged in the form of my credit report for a delinquent bill that I never received, haven't seen, and is for services that I never received. The only resolution I have been offered is to pay. This strikes me as nothing short of extortion and I am sure if we can't resolve this, a formal court and the court of public opinion will see it as such, predatory.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be removed from my credit file : XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (MI)

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. 
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 15 U.S.C 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 by more than seven vears.

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 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

midland Credit {$680.00} and I have no knowledge of this account. I have not gotten any information of this accont. I have contacted them and of course no response I would like for them to stop harrasing me about account that they can't verify. Then it says XXXX XXXX and when I call them they say they have no information and now I have a credit report with this name one here and it isn't mine, I also asked how did you purchase a debt and they can't verify that either. 

MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IA)

I have been banking with Wells Fargo for 40 plus years. When I use my debit card there is money in my account but Wells Fargo holds my withdrawals until a bigger withdrawal is made and then charges me multiple {$35.00} overdraft fees for all my previous withdrawals that should have been subtracted first. If they would subtract them in the order they received them it would be one overdraft, not multiple ones. This has been going on for years. If you call them about it they act like they don't understand.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This morning XXXX XXXX XXXXXX/XX/year> ) I have spent about an hour trying to access the Transunion website. It has worked in the past because I set a security freeze last month. None of the Transunion links work today, as it does not recognize my login credentials. I have a hard save on my credentials in the browser to my password so my user id ( email address ) have not changed. I finally decided to call them and their automation via phone sent a link to my phone text to " chat '' with an agent. The link does not work. When I tried to update my password, the code they say they sent me never arrived. Is Transunion still a valid company? I will keep trying because I was a victim of identity theft last month and I have been getting nuisance texts and phone calls regarding loans that i have not applied for. I routinely set a freeze on all of my accounts. XXXX and XXXX were easy to access and I did not see anything untoward on my credit reports from them.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

I saw an inaccurate collection on my account from National Credit Systems. I contacted them and let them know I never lived in those apartments or cosigned for XXXX XXXX. I also let them know I did not know this individual. They said they didnt have record of it. I was living in Indiana during the time they are charging me for this debt in Georgia. I keep getting the run around from National Credit Systems and the Original debtor XXXX XXXX XXXX.
Consumer complaint received 2022-10-04
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. (NY)

XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX credit instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX started taking XXXX a month with out my connsent on a debt older than 7 years old in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX dollars. All 3 major reporting companys and I have reported them 2 or 3 times to each one.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (IL)

UPDATED AND NEW INFORMATION ON EXPERIAN : On XXXX  I stated that EXPERIAN has made false statements and violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ). You can see more information about that and my identification information here : CFPB CASE NUMBER:XXXX Today is the XXXX day ( XX/XX/XXXX ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i ( a ) & 15 usc 1681i ( a ) ( 5 ). Experian has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

In mid XX/XX/2022, I was notified by my Homeowners Association ( HOA ) that three of the ACH autopays for dues ( XXXX, XXXX and XXXX ) that should have originated from my Wells Fargo ( WF ) checking account had been voided on XXXX XX/XX/2022 and therefore my account was delinquent. The HOA management is adamant that these payments of {$350.00} each, never reached its account. 

After trying to resolve the issue by telephone with WF, I made an in person appointment at the XXXX XXXX branch on XXXX XXXX to explain the situation and try to get information from WF 's side on the payee and other details of the missing payments. The banker I met said that he would try to get the appropriate details. After not hearing from the branch for several days, on XXXX XXXX I called the WF customer service toll-free number and filed a formal claim ( nr. XXXX ). XXXX, XXXX XXXX, the banker that I met on XXXX XXXX telephoned me to inform me that my claim was being followed up and I would soon have news. 

XXXX, XXXX XXXX, I checked the web page for my account and since it said that no claims were outstanding on my account I called again WF customer service who confirmed that a claim was open. They transferred me to the claims department and after a long wait, I was told that the claim was being closed because the deadline of 60 days had passed and no information is available on the transactions in question. 

I told the WF claims rep that to address their negative answer I would file a claim with the CFPB.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

My company wire transfered an amount from my JPMorgan Chase business checking account to another XXXX business account to complete a purchase order. The company that I had the funds sent to was a scam business and never shipped the purchase order. I asked XXXX to look into the receipant 's account. They deemed it fraudulent and closed the account. However, XXXX never reimbursed me the funds. I emailed and spoke with my personal banker numberous times and never got a resolution. Hence, I am filing this complaint in hopes to reclaims funds. Thank you