davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (IL)

I opened an American Express business card for a company I worked for. I was asked for certain information over the telephone like my SSN and I had admittedly asked the rep was my credit being pulled or was the credit going to use my credit I was told " No ''. I said perfect because this is not my card it is intended to be a business and I did not agree to have my credit touched. I filed a consumer complaint a year ago because of the terms of the card. I was told XXXX thing and the company received different terms then what was told to me. I did not know my credit was linked to this card until I receive a IRS document saying I have to claim income because the company had settled the card amount with American Express. I would like to file a formal complaint on my own behalf because I was lied to and I have tried to get American Express to fix their mistake. I found out it was on my credit report also. I called american express to get it removed from my credit. I never given permission to use or look up my credit. At this point, I believe this is considered to be fraud committed by XXXX of American Express employees. I have only received a phone call to say the company apologizes for the inconvenience and that the rep would be retrained and that was a year ago. After the managers reviewed all calls. My personal information was used and taken without my permission and I would like for the company to fix this problem. I have been denied credit, I have received higher interest rate for items I have purchased due to American Express not completely fixing the problem. When I received the phone call to apologize I had no idea that the card was used under my SSN. I only found out after I was denied credit. I tried to call and have it taken off now everyone at American Express states they have no information about my card other than it was settled.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX 2016 Bank of America accepted a letter from me asking for verification of this with documentation with my signature. In response I got a letter asking for documentation from me instead of my request. That is the only response I received from Bank of America. Bank of America did not send me the required verification, nor did they mark my credit as disputed at any of the XXXX reporting agencies in the 30 days as required by the Fair Credit Reporting Act. I have since sent another letter again asking for verification with no response at all. Bank of America has violated my consumer rights and FCRA 623 ( a ) ( 3 )
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Rausch Sturm LLP (TX)

XXXX XXXX XXXX, successor to XXXX XXXX XXXX, Raush, Sturm, Israel, Enerson & Hornik , LLC, their attorney in Texas, XXXX XXXX XXXX, appointed receiver, XXXX XXXX XXXX, XXXX, and XXXX XXXX -- - My XXXX XXXX account was frozen by appointed receiver XXXX XXXX, and my entire funds of {$1500.00} liquidated with no prior notice given. Supposedly I was served on XX/XX/2011 ( 5 1/2 yrs ago ) @ XXXX XXXX XXXX XXXX , XXXX , Tx - address of XXXX, a grocery store where I have never worked. I was not served nor contacted prior to this action. 

The frozen money is the only money I have to pay mortgage, utilities, gas, and food. This past summer, XXXX. I was XXXX for 2 months. I have a XXXX and will need additional XXXX. I am unable to work, my wife is my caretaker and I have other medical issues that affect my quality of life.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.
Consumer complaint received 2017-09-08
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. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me. 
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan. 
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway. 
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car?? 
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me? 
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP. 
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong. 
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice. 
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: General Information Services, Inc (MI)

I was hired by XXXX and two days after being hired, and doing work for XXXX, was told I had to be sent home because I had apparently falsified something on my application. I was provided a copy of my consumer report from GIS, the company that runs the reports for potential employees, and discovered XXXX issues : Another person 's name, " XXXX XXXX '' was under my SSN, and also my criminal history was being held against me as being falsified for not supplying any information ( their online application did not ask me to submit my criminal history, just to consent to a background check, and on my consumer report this is listed as " not provided / non-applicable '' ). I was told I had 5 days to dispute these findings, but was notified by XXXX that I was already terminated based on these findings before any disputes were even reviewed. I faxed GIS a dispute form with a copy of proof of identity ( my Social security card ), and mentioned several times the application process never requested my criminal history ( all of which was disclosed at the interview anyway ). It has now been 5 days, and I have not heard back from them and I still do not have a clear answer from either GIS or XXXX as to what was " falsified '' on my application, so my attempt to prove or disprove anything within the report is speculative at best. I have faxed, called, and emailed both companies at several levels, and still received no explanation for what they believe was falsified, and have been told multiple times that I am already terminated because of information found in my Consumer Report provided by GIS, despite the review process not even being completed yet. This is against my rights under the FCRA.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (MD)

I have attempted to obtain backup from XXXX and their debt collections agencies to no avail. The only information I have for an account with XXXX shows they owed me money when I closed my account. They have not provided any documention otherwise and continue to harass me for an account I do not believe is mine.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (AZ)

XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.
Consumer complaint received 2016-12-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One called my relative on XXXX/XXXX/2016 at XXXX and disclosed to them that I allegedly owe {$900.00} to their institution. 

This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am an victim of ID theft my information was stolen and I have multiple problem because of this, I am dispute an account with capitol one card I se I send the a letter stated them to validate the debit and the only thing they send me back was statement, I spoke with a lady in the fraud department on XX/XX/2016 by the name XXXX stated that the account is my bea because of my phone number, I ask her to send me a copy of the credit, I do applicant and she could n't, and no response, I send over police report to capital one and a letter asking validate the debit and no help
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

fraudulent charges on my credit card reported immediately and was told resolved yet showed up on my monthly billing statement. I spoke to representative and supervisers several time acknowledged over the phone all of the disputed charges. an email confirmation disputed charges was made.. assurance of 48 hours to resolve twice in 10 days. I have spent total of 10 days and 11 hours of my precious time I have early fraud warning and zero liabilty on my card benefit yet no resolution
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (PA)

XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX/XX/XX/XXXX the following inquiries were removed from my Transunion credit report. On or around XX/XX/XXXX, these inquiries were re-added without my being notified in writing per the FCRA Section 611. I would like to have these inquiries removed. 
XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I attempted to resolve this directly with Transunion to no avail.
Consumer complaint received 2024-10-03
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX. 
Account XXXX : XXXX
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stallings Financial Group, Inc. (GA)

This debt was owed to the XXXX XXXX XXXX and XXXX XXXX. I had temporarily moved from my home due to illness and had my water shut off. In 2015, when I requested new service the water authority did not inform me on how they would bill me so I assumed I would get a paper bill. When I never got the paper bill I repeatedly contacted the agency requesting the bill. I even contacted the XXXX XXXX because other mail had been missing from my home. Despite these requests, I never got a paper bill but came home XXXX day to the water being turned off and a hang tag on my door stating I owed over {$200.00} in back water bills. Additionally, at some point after that I started getting collection letters from Stalling Financial Group. I had no idea who this entity was. I immediately contacted the water authority only to find out that they had been sending my water bill to me through e-mail and it had gone into my junk e-mail. At no time did the sewer authority obtain my consent to e-mail me the bill. Through conversations with the sewer authority, they were willing to remove this item from my credit report because I did not get a bill and I had called them regarding the same. However, they did not own the debt and could not recall it and the persons that they spoke to at Stallings Financial refused to even discuss the matter. I believe this issue was handled incorrectly by the sewer authority and Stallings and I would like this matter removed from my credit report.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I received us mail from Transunion Over the weekend claiming that they had verified the late payments for XXXX and the account was reporting correctly, Transunion did not verify anything. On XXXX 2014 Transunion is reporting a 30 day late Here is a copy of my bank statement indicating that I made a {$100.00} payment to XXXX Transunion enough with your XXXX and games remove these late payments IMMEDIATLEY
Consumer complaint received 2016-10-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC. (UT)

The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Starting from XX/XX/2016, XXXX, a credit card promotional service, generated hard pull inquiries on TransUnion 's credit report when only soft pulls were suppose to be generated. I 've been a victim of Transunion 's inquiry issue and they refuse to remove the hard inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.