davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (GA)

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 2017-06-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Recovery Services, Inc. (GA)

Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  XXXX
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MA)

US Bank is being disonest with the CFPB and myself by not directly answering my questions : Did US B ank hav e 11 recordi ngs of calls in which I allegedly participated?  Does US Bank have a method to record, store and catalog all calls to its call centers regarding credit cards. US Bank is misleading its cardholders when it states " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Ba nk claims it is using the recorded calls for " quality control purposes '' when it is using those calls for other reasons.      US Bank also claims, falsely that the signatures on the sales drafts match the signatures on my application and other documents. I hired a forensic handwriting analyst and he claimed there was no similarities, but US bank  refuses to provide their own analysis to support their specious claim.
Consumer complaint received 2017-06-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delbert Services (LA)

On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
Consumer complaint received 2017-06-13
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. (CA)

I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX / 2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ND)

I am a victim of identity theft. Equifax,  XXXX  and  XXXX   XXXX  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.
Consumer complaint received 2017-06-12
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. (MN)

I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX ,  XXXX   or Trans Union  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint regarding TransUnions unauthorized reinsertion of a previously disputed and removed account on my credit report. TransUnions actions violate the Fair Credit Reporting Act ( FCRA ), particularly 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 1 ) ( A ), by re-reporting an account without certified verification and by failing to provide me with the legally required written notification of the reinsertion within five business days.

Detailed Explanation : After successfully disputing an account with TransUnion, it was removed from my credit report. However, TransUnion reinserted the account without providing any notification or evidence of certified verification from the original creditor, as required by FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion of the account without notification disregards the consumers right to transparency and timely awareness of changes to their credit report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information after it has been removed due to a dispute.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have 2 Citicards XXXX ( Business ) and XXXX ( Advantage ). In XXXX, Advantage sent a mandatory replacement card. I did not authorize this card. However, Citi began using the new account. When I receive my mailed statements, I access the XXXX version on line. I do this so that I can designate which expense is paid by my business, home or other user. In XXXX, I discovered 4 statements (??? ) on line but the XXXX versions were not available. A recent payment was not on any of the accounts. Citi had to do a forensic search to find the payment. Since then, I have been unable to reconcile the accounts and therefore, unable to pay my bill in full. After many, many hours ( probably 30+ ) of conversation with Citi Customer Service , I contacted the office of XXXX XXXX , CEO. XXXX XXXX has responded. I have sent all thXXXX XXXX spreadsheets that do not reconcile with the PDF ( printed ) statements. The issue is not yet resolved. However, last week XXXX XXXX was on vacation & suggested that I contact Customer Service. That 's when I decided to file a complaint. XXXX XXXX also suggested that if the account was not paid in full, Service & Interest charges could not be reversed (!! ). I can not pay the bill in full until I can reconcile the statements. Another suggestion : My credit would be affected (!! ) PS Your form only allows the id for one card. I have two cards in disarray.
Consumer complaint received 2024-10-26
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.
Consumer complaint received 2017-06-10
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: Amsher Collection Services, Inc. (FL)

AMSHER COLLECTION SERVICES INC Is currently reporting a collection account for   XXXX   on my credit report. However, AMSHER COLLECTION SERVICES INC is not licensed to collect in the state of Florida.
Consumer complaint received 2017-06-10
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: EQUIFAX, INC. (OH)

I submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX   XXXX   XXXX   XXXX  reported me as 30 days late on  XXXX   2017 . This was done in error and was supposedly corrected by them in  XXXX   2017 , but it is still showing on my account for Equifax. It has been removed for  XXXX
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

The brief summary of the complaints are listed below : ( Please see full letter that has been submitted with this online complaint ) :  - M & T Bank indica tes my mortgage loan i s one month behind but M & T  Bank reps are unable to provide month & year the payment was supposedly missed  - M & T bank   indicates unapplied funds associated with the mortgage but unable to provide reason for this issu e - M & T bank 's loan serv  icer "    XXXX   XXXX   XXXX   '' mailed a check for almost {$11000.00} to me in   XX/XX/XXXX .  The reason was unclear. There are severe concerns that  XXXX   XXXX   XXXX  did not process my loan modification correctly.    -M & T Bank mails confusing and conflicting documentation - Request for removal of PMI has not been addressed by M & T Bank - C oncerned that negative information is being incorrectly reported to the  XXXX  credit bureaus - When contacting th e M & T Bank reps, always told mortgage is one month behind, the investigation is ongoing, someone will call with results, etc ... No individual can provide t he answers needed to resolve the issues.   - Decided to cont act M & T Bank Ch airman and CEO along with each of the bank 's regulatory agencies for assistance and resolution of all issues.
Consumer complaint received 2017-06-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

To SELECT PORTFOLIO SERVICING INC Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room  XXXX    XXXX   XXXX   XXXX  .,   XXXX   XXXX  , DC   XXXX    Ref. : Select Portfolio Servicing Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to SELECT PORTFOLIO SERVICING ( SPS ) to disclose the following information regarding the loan account #  XXXX  : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
<P/>
On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX    said Consumer Financial Protection Bureau that it has conferred with SPS and SPS does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date. Select Portfolio Service Inc. has failed and refused to provide the above information since  XXXX .
<P/>
Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc (LA)

This Transfinancial collection agency has  XXXX  accounts on all  XXXX  of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.
Consumer complaint received 2017-06-12
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: Experian Information Solutions Inc. (PA)

I have written Exp erian SEVERAL times aski ng them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Consumer complaint received 2017-06-12
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: EQUIFAX, INC. (PA)

I have written Equifa x SEVERAL times  asking them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.
Consumer complaint received 2017-06-12
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: Diversified Consultants, Inc. (NC)

Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (IN)

Santander Consumer USA was the lender. <P/>The vehicle I had financed with them was repossessed by them sometime in the late summer of XXXX. To this day I do not know what the exact terms on the loan were. I feel like I was pressured into financing with them. They were terrible. I first became delinquent on the loan in XXXX during a time of financial hardship due to being in a small accident in the vehicle. I communicated with Santander often. I ended up loosing my home and became virtually homeless. Santander charged off my auto loan after being a month behind. The loan was showing as a charge-off/repo on my credit even before they attempted to repossess the vehicle. I had actually caught the account up and they informed me the auto loan would remain in charge-off status until the loan is paid off. This has damaged my credit report. Even after they repossessed the vehicle. They are still updating my credit report with increasing balances. They constantly report the account open and closed at different times, which causes my credit score to fluctuate significantly. While the vehicle was being looked for they threatened me to report the vehicle stolen to the police and have me arrested. Something that is illegal to do. Santander is a predatory lender and must be investigated. To me they are XXXX themselves. I really need help. I am trying to get a home. They have even forwarded this alleged debt to multiple collection agencies who did nothing but harass me and make threats and still kept this old auto loan open on my report. This has all caused me tremendous amounts of stress and anxiety and anguish.This corporation is very malicious.