davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16, therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16, I received a call, from Chrysler Capital, stating my payment was 30 days late, much to my surprise. After being informed of this, I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital, on XXXX/XXXX/2016, along with XXXX other checks. The XXXX other checks had been processed through their bank, but the check for my pay-off had not. The dealership attempted to right the wrong, as much as they could, by calling Chrysler Capital, to no avail. The dealership did stop payment on the original check and sent another check, that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages, the " Office of the President '' has informed me that they have no choice, but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls, emails, or letters informing me that the payment was late, until it was going to affect my credit.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCash Holding LLC (IL)

I was told by the company XXXX ( XXXX XXXX ) that I had the ability to refinance or request more money upon paying a certain amount of an existing loaned opened up months ago. I was told that restructuring the loan would not report any different other than the balance. Upon checking my credit report today, I noticed the unauthorized closing of my current paid up to date account on the XXXX of XXXX. I did not request or authorize these transactions.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Procollect agency ended up on my credit report causing me to not be able to get an actual place to stay. I didn't receive a letter or no type of notice stating this debt to where I could find time to take care of the problem. I knew nothing about this debt till I seen it on my credit report.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt response.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I am currently needing to move and my poor credit score is impacting my ability to move. I AM BEING DENIED XXXX. My credit score, after a XXXX I built back up to a GOOD RATING, however XXXX XXXX has mistakenly reported XXXX late fees which has changed my credit rating from GOOD to POOR. PLEASE review my same complaint with XXXX XXXX from XX/XX/year>, complaint : XXXX. XXXX XXXX removed {$120.00} of late fees from my account however XXXX XXXX did not remove XXXX late fees from credit reporting companies. Please help. I have extreme IDENTITY THEFT AND FRAUD, and for years. It has become my full time job just trying to correct all the troubles some imposter or group of imposters is creating for me. Have two car loans on my credit report taken out in my name which I have disputed, are not mine and is fraud. I had a {$6000.00} tax bill receive a court order to garnish my bank account at XXXX XXXX XXXX  which was not mine, again fraudulent activity. I have tenants in my apartment building ( this is why I am moving ) a XXXX XXXX and a XXXX XXXX raking through my garbage bags on the street, I caught both of these tenants red handed. Within a few weeks, both my XXXX XXXXXXXX XXXX  account and XXXX XXXX credit card has fraudulent activity. My bank accounts and credit cards I am repeatedly needing to close and reopened due to fraudulent purchases on my accounts. Now, I am unable to have my new apartment applications accepted due to a POOR credit score due to XXXX XXXX. I am being denied housing because of XXXX XXXX. This is punitive and it feel as though XXXX XXXX is attempting to get deeply personal with me. I am telling the truth. Thank you. XXXX XXXX confidential. XXXX  XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After pulling a copy of my Consumer credit report I noticed that credit karma XXXX XXXX and TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 
Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within XXXX days not XXXX day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 


Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.
Consumer complaint received 2015-03-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (OH)

Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (ID)

I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means
Consumer complaint received 2016-02-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan, and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a " hard pull, '' I called Roadloans at ( XXXX ) XXXX ( because the website said " [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX., I spoke with XXXX, who confirmed that Roadloans had done a " hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that, and that is how they operate. When I asked with whom I could dispute that, she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked, I was told both businesses are headquartered in XXXX, XXXX, and that both do business nationwide. I tried calling that number for Santander, but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today, XXXX/XXXX/16, but there is no " dispute '' button for such an action on the XXXX site. In sum, I did not want a hard pull of my credit. Before anyone did that, they should have conspicuously informed me that they might do that, and given the option to specify that I did not want it to occur/was not interested in the specific product ( here, a ridiculously high loan amount at a ridiculously high interest rate given my current " excellent '' credit rating ). Also, I did not ( and do not ) want my personal information shared by Santander/Roadloans with third parties, including dealers, as they have done.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I've requested Experian to remove XXXX inaccurate addresses from my consumer file. 

The addresses listed below are not attached to any current active accounts. 
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX current address is listed correctly : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Experian violates 15 U.S. Code 1681e - Compliance procedures XXXX b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 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 2024-08-14
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. (IL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (PA)

Fortiva Retail Credit charged me an annual fee for a credit card that I have not used in XXXX years. I had gotten the credit card when I purchased an air conditioning unit in XXXX. I paid my balance off by XXXX. 

I have not used the card in XXXX years and then get notified of a late fee. They sent me a change in terms via email that they would be charging me an annual fee. 

I cancelled the card and was told my balance would be XXXX. I'll check that tomorrow. 

However overall, this would be unfair treatment of a customer. I have not used that card in 2 years and they change the terms to charge me an annual fee. This seems to be a bad practice on their end to get customers like me. If anything, I should be considered a stale or absent cardholder since I have not used the credit in 2 years vs. getting a fee. 

I'm sending this complaint in so others don't have to deal with this like I did.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.