davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2019, I disputed a charge with American Express from XXXX for {$920.00}. Today, XX/XX/2019, That charge is still showing on my balance. My contract terms and conditions with American Express clearly says that any disputed charges will be temporarily credited until after that investigation is completed. I brought this up to a representative through Chat, and they confirmed this dispute is being handled differently, I informed American Express they were in violation of our contract therefore breaching our contract and they were also in violation of federal Law which clearly states how disputed charges are to be handled. They did not care! I had a recent dispute for {$69.00}, for this dispute I received a temporary credit until the investigation is completed. 
The XXXX charge was paid by other means also the {$920.00} charge is more my contract with XXXX. I paid XXXX {$790.00}, when the car was dropped off. For some reason XXXX charged me again a higher amount. 

American Express is recklessly and deliberately breaking out contract and the law, meaning they literally do not XXXX XXXX XXXX! 
also they will be reporting the wrong amount to the credit bureaus.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

LAST CHANCE TO SETTLE OUT OF COURT ONEMAIN FIANACIAL AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX   ON THE TABLE TO FILE SUIT.SEE ATTACHED.
Consumer complaint received 2023-09-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (TX)

Account number XXXX This is my second complaint against Santander consumer bank. 



Santander stated on their previous letter written XXXX XXXX, that a 1099c can not be filled because a settlement was not made. Santander stated that the account is an open charge off. 
Give me the definition of a Charge off?

1. To all of these Santander is fraudulent keeping my identity and is committing tax fraud toward the IRS. Is continuing rubbing me and the IRS.

2. Santander has also kept the financial money from the insurance, this fraud. 15usc1605 speaks about the financial charge, billed into the financial charge is a insurance that protects the lender in a event that obligator default.

3. My consumer report shows that this account its charged off. Its a canceled debt needs to be reported {$0.00} The Irs instructions form Acquisition or abandonment of secured property and cancellation of debt stated everything. Every debt that is canceled and is more than {$600.00} is a cancel debt. 

I must remind Santander consumer that they have violated the ucc code to many consumers in the past and they have a class action lawsuit against them, which was filled by the attorney general. They constantly violating consumer rights with no harm and scruples. The auto loan was charge an APR of 20,60 %, but the Texas average XXXX is 7,13 % for new car and 11.39 % for used car.

15usc1681s-2 responsibilities of furnishers of information to consumer reporting agencies. By law your are prohibited to provide inaccurate information. 



You have been put on notice to Delete this erroneous charge off from my consumer report. 
This is your final opportunity to Cure and delete these account across all 3 consumer report agencies.

If you willfully knowingly or punitive failed to delete this account from consumer report agencies.

You will be fined under title 18, imprisoned for more than 2years or both.

I will be forced to take legal action against your bank institutions, for which I will be also seeking {$1000.00} for violations Defamation of character Negligent non compliance Civil liability Mental anguish You have caused me and my family severe harm due to your negligence an inaccurate reporting.

In addition send me my 1099C and complete the form W9 and the 1099 OID form I will get them to my accountant and the IRS. You have 30 days to send it back. I must remind you its a taxable event. 

If I dont get it by the time I will mark it as a refusal and you have to come up with the penalty fee to the IRS XXXX 

Enclosed you will have my credit report IRS INSTRUCTIONS Santander letter
Consumer complaint received 2023-09-08
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. (NY)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX  XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

This company ERC has repeatedly violated my rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial and XXXX XXXX. For starters, they're reporting erroneous & unverifiable collection account to all credit bureaus in which I've asked for proof of claim and they continue to send me bills. This negative was deleted off of my credit report last year and it reappeared this XX/XX/2019. I am aware of the many complaints against this company thus far and yet they're still in business.
Consumer complaint received 2019-10-29
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

The Company in question is LVNV Funding LLC. I have sent them 3 letters to verify the validity of a debt they claim I owe. Instead of verifying this debt, they send me a letter stating that they don't feel obligated to verify because they think it is coming from a third party etc. So they basically do not want to verify the debt but instead keep it on my credit without verifying. I want this investigated. I have the letters from LVNV rejecting to investigate. I want this debt permanently removed from my report since they do not want to keep in accordance with Fair Credit practices like verifying debt.
Consumer complaint received 2019-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage prolonged my loan modification process and then when it was too late they filed a foreclosure on my home. I was turning in documents for over four months. They played a strategic game of deception : they would ask for the same documents over and over again.

Two weeks before the foreclosure, they had requested for me to resend some documents that I had sent two months  earlier. Then after I sent the documents they said it was too late and the foreclosure had to proceed, because the date was within 37 days of the sale date. They strung me along during the loan modification process, I sent in all the documents they requested. I should have received a loan modification, instead they foreclosed on my home and they did not give me a chance to do a short sale. 

I hired a realtor after they told me they were going to foreclose on my home and no longer review my loan modification. The realtor submitted one offer for approximately $ 500k. Freedom mortgage was reviewing the offer with my realtor on a Friday and Saturday. on Monday morning at around XXXX XXXX I get a call from Freedom Mortgage saying that the foreclosure sale would be in about a half hour at XXXX XXXX I asked him well what happened with the short sale that we submitted. Freedom Mortgage responded this is an FHA loan and we need to net profit {$510000.00}. One hour later that Monday morning, my house was sold at the foreclosure auction for {$500000.00}. This was under the {$510000.00} that Freedom Mortgage claimed they needed because it was an FHA loan. More importantly they started the auction at {$390000.00}. 

I called Freedom Mortgage that Monday morning and asked them why did they let the property sell for {$500000.00} when I had a short sale offer from my realtor for the same amount. Also I asked them why did they start the opening bid at {$390000.00} when they said they needed to net {$510000.00}. They told me to write a letter and they would try to give me an answer. 

I would never recommend Freedom Mortgage to anyone.
Consumer complaint received 2024-10-29
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-15
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. (WA)

Equifax has reported false information on my credit for the past 2 years. The company that reported this debt never submitted any proof or verification that I owed this money. This debt was deleted from my XXXX report within 24 hours of submitting a dispute online however I have made several attempts by phone and electronically to dispute this fraudulent debt to Equifax to no avail. This is causing me great hardship as it is preventing me from obtaining housing. The XXXX XXXX in XXXX WA is alleging I owe {$210.00}, which I do not. This has caused my rental application for two apartments to be denied. This has caused me financial harm. I do not believe Equifax properly investigated this dispute. I believe Equifax simply posted this false debt on my credit report without any proof it was mine or that I owned or owed the debt. I want this false debt deleted from my Equifax credit report immediately.
Consumer complaint received 2019-11-10
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: Sequium Asset Solutions, LLC (IL)

I disputed an account with this company on XX/XX/XXXX. It was sent to their fax number XXXX with confirmation of receipt received. The company failed to respond or provide any results of the request. I am demanding it be deleted as they didn't reply with in 30 days yet reported the account on my credit report as of XX/XX/2019. 

I have attached the fax confirmation and dispute letter sent to the agency.
Consumer complaint received 2019-10-30
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: ALLY FINANCIAL INC. (FL)

Ally Financial did not notify me that car owner for whom I co-signed was behind in payments. I only found out when my credit score declined by 130 points overnight. When I asked why I was never given notice, Ally gave me confused addresses and refused my offers to pay off the car owners loan.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Claim # XXXX. My wallet was lost and recovered from XXXX customer service desk. I charged from Texas was placed on my account on XX/XX/2019. I have used my debit card almost every day since then. I noticed the charge on my account when I was told that my payment had declined from my XXXX  office. After looking over my transactions I reported this charge immediately to be told that I did not report it soon enough is not acceptable. I can not report something on my account that I don't see. By law I have 60 days or two billing cycles to report a charge. If I received monthly statements by mail maybe I would have noticed sooner. A better question would be why didn't BOA security detect a charge from Texas as fraud. I have never been to Texas before. I am willing to provide any documentation : police report, statement from XXXX, statement from XXXX  office etc.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

I applied for a loan on XX/XX/XXXX and was denied. The adverse action notice listed XXXX   and Sagestream as two companies that " provided information that influenced [ the lender 's ] decision in whole or in part ''. I requested my credit report from Sagestream on XX/XX/XXXX, providing them a photo of my drivers license and a utility bill, because their online portal where I made my request required me to do so. Sagestream 's website states that my request will be processed within 7 business days. It has now been 15 business days ( 21 calendar days ) since my request and I have not received my report, nor have I received any communication from Sagestream. On the other hand, I requested my credit report from the other credit reporting agency listed ( XXXX  ) on XX/XX/XXXX, and received it by USPS on XX/XX/XXXX.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

I need to see documents show the loans I signed for vs what is appearing on my credit report. I didnt not borrow XXXX. I will have to seek a court order to get this records if navient won't comply. You are incorrectly reporting the initial amount i borrowed which has compounded into this massive overwhelming amount and it's unfair. I was coerced into forbearance. I wasn't explained thoroughly. I was in default and didnt realize it. Payment sent were not applied. This has turned Into a nightmare.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA (FL)

I made an agreement with Lending USA to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told Lending usa could not help me. I was told by the collection agency that they would report it as paid to Lending USA and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, Experian and XXXX.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OH)

I just got a response from my complaint and there is an addition {$1900.00} for a warranty on my contract, there was never talk that that would be added to my contract I never said I wanted it or asked for it. 

Know they are trying to repo my car and not own up to their mistake and continue to drag this issue out. I've reached out several times before and all they do is repeat and send the same false information to me!
Consumer complaint received 2019-10-29
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. (IL)

Experian & XXXX have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My problem started off by getting incorrect information about my new Business Line of Credit. I was supposed to receive 1.99 % APR promotion for the first year as I was told by one of the bankers I was dealing with, but then when I was waiting to get the credit available to me, other representatives in XXXX XXXX XXXX XXXX Lending have told me different things about whether or not I qualify. No one really seemed to know what was going on and it was getting incredibly frustrating, and shown their sign of inadequate training, knowledge, and incompetency. I raised this issue to XXXX XXXX, Senior Vice President and Division Lending XXXX at XXXX XXXX, and he promised to look into it. We exchanged emails back and forth about status updates as this process was taking extremely long, I asked him if I may have extended credit on my BLOC as a courtesy and he said he can move XXXX of available credit from my XXXX XXXX credit card to my Business Line of Credit, and he did. During this process the person who was responsible for moving the available credit from my credit card to BLOC ran my credit report without my authorisation. When I confronted XXXX about this, he denied it. He said I may have applied for another XXXX XXXX product. I said that's impossible, and senseless given the circumstances of what we were dealing with. I asked to have this investigated or removed ASAP and notification of when this will be removed and when he did send me the notice, I have yet till this day see that inquiry come off. The bank failed to fulfill their obligation to remove an inquiry in my credit report in error as they disclosed to me in writing. I have made executive complaints about the way they have been handling this and have not heard back from anyone as of yet. This has been an incredible incompetent bank and has proven to me they are not capable of handling simple tasks. When I tried to deal with this issue with Experian, they disregarded the correspondence letter I had sent them from XXXX XXXX, as I was advised to send it to them to expedite this matter, this has failed to be effective, and thusly, Experian did not pursue any action whatsoever.