davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Consumer complaint received 2023-06-12
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. (TX)

I contacted a third party entity called XXXX also known as XXXX in early XXXX of 2023 due to incorrect data they are falsely advertising and selling to the credit bureau Experian of me. 

The name of the person I spoke to is XXXX XXXX and I dont know what his person. She falsely indicated my address, she refused to disclose the fraudulent information that was in the files of XXXX, a company that does rental screening etc. I never lived at the place they are reporting to Experian. My ID, social and money and other things were stolen from my purse and I have alerted all credit bureaus to include a fraud alert on my credit and I keep it frozen. XXXX XXXX and Experian are falsely accusing me of a debt that does not belong to me. They are have wrong address and other data of me incorrectly. I am in process of filing a lawsuit against Experian and XXXX. I have asked both of these companies to send me a notarized contract or legal agreement with my signature as well as a copy of my ID and other verifiable information of who can prove that this alleged debt from a XXXX company even exist. This is fraud and a XXXX system that these third party companies keep trying to manipulate and cause hardship on people of XXXX. Its against FCRA laws to reinsert an alleged debt that has not been verified back into a consumer files. Experian has also investigated and removed this allegation from my credit. This alleged debt was six or seven years ago when I found out my information was as stolen. I never lived there. XXXX XXXX said she couldnt provide any information on this alleged debt so how can you falsely accused someone of a debt you can not prove. I am a homeowner and I have good credit. These XXXX third party companies are XXXX biased and trying to keep people of XXXX XXXX and keep them in debt. XXXX member number is XXXX XXXX and she called me and lied and said my file was going to be unfrozen so she can exploit fraudulent debt. I never lived at a XXXX address. Never in my life.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

This is involving Key Bank. On XX/XX/2023 I noticed a unauthorized withdrawal from my bank account in the amount of {$79.00}. I called the fraud dept. immediately and told them I did not authorize this transaction, we cancelled my card and she gave me back my money or Provisional credit. The company that took this money according to my bank statement is called XXXX out of XXXX Texas, this company does not exist. On XX/XX/2023 I receive from Key Bank stating that, the review of the Merchant documentation. It reflects information that matches your current account, well of course it does they are scammers.So now they are saying I authorized this bogus transaction and they take back the {$79.00} that they gave back to me. Key bank sends their " Proof '' or order details now the company is called XXXX, the name keeps changing they are supposedly out of XXXX Texas also. I checked with the Chamber of Commerce in XXXX Texas there is no such company there. In the same letter they send me this proof. Says Transaction date XX/XX/XXXX, Transaction type : Purchase, says product description which is blank. It says I signed for this non existent package and says it is a track able delivery. They say they have a signed receipt from " Logistics '' claiming I received this bogus package with a timestamp and my signature none of which anyone can produce. Then i see the shipping details, it gives me telephone # for the company I call it it's a bogus # date of Shipment XX/XX/2023, Tracking # XXXX which doesn't exist and not one person could tell me who delivered it I asked what company they said XXXX, then someone else said XXXX, I said Express what, no answer. I have been ignored and treated so poorly by this bank I am XXXX XXXX XXXX and on a fixed Income what they have done is disgusting '
Consumer complaint received 2024-09-13
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: Affirm Holdings, Inc (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NY)

I have been receiving demands from Midland Credit XXXX for many years. A considerable time ago ( probably at least 10 years ) I told them I had no knowledge of any outstanding debt and told them to send me details of their claim by mail. 

I clearly recall telling them that all further communication must be by mail, and that specifically they may NOT attempt to contact me at my work or through my family members. 

Several months ago they called my daughter looking for me to discuss " a credit issue ''. 

This morning at XXXX XXXX I answered a call that announced itself as being " on a recorded line '' at work where a male employee from XXXX asked to speak to me regarding " a personal matter ''. I did not admit who I was and told the caller I no longer worked there in an attempt to forestall further calls. 

Whilst the caller did not disclose the actual purpose of the call, it is obvious from " recorded line '' and " personal matter '' and finally from a XXXX search on the caller ID phone number, XXXX that this is an attempt to collect a debt. My employer has a strict policy about receiving personal calls at work and I have been in trouble about this with them before. 

I am reluctant to communicate directly with XXXX as i have read horror stories about them getting people to inadvertently " admit '' liability for non-existant debts. However I am tired of being persecuted in this way and would like to know how to stop the harassment and also how to prevent them selling my contact information on to other abusive debt collectors.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TN)

I received a PPP loan as well as a XXXX loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the XXXX was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the PPP loan has placed a soft hold on my account due to Fraud. I have reached out to XXXX XXXX  and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited WellsFargo Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud Investigator from WellsFargo Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from Wellsfargo was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or XXXX loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my XXXX loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.
Consumer complaint received 2023-06-14
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. (MO)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I filed chapter XXXX bankruptcy in XX/XX/XXXX in Florida 's Southern Bankruptcy Court. This information and the subseuqent Discharge in XX/XX/XXXX has been relayed to all Credit Reporting Agencies ( Equifax, XXXX  and XXXX  ). 

Equifax has no record of this on my file after repeated attemepts to correct.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I called Equifax because I saw that I had drastic decrease of 61 point through XXXX XXXX. The representative refused to give me information unless I pay {$15.00} for a one time charge. The representative then quoted me a score under 600 after I paid and refused to explain to me why my score dropped. The representative the transferred me to a different representative who told me that his computer was not working and to call back in an hour. I have worked very hard on my credit and check it daily. After looking at the reason code through XXXX XXXX, Equifax notated that since I had a balance increase on my student loan with XXXX XXXX XXXX and they assumed I missed some payments. The truth is my loans are deferred and my new payments began on XX/XX/2019, so that there is no pass due amount. I pay all of my accounts on time and by Equifax dropping my score like this is an insult to my never late or missed credit card payments, never late or missed vehicle loan payments, never late or missed mortgage payments, and never late or missed personal loan payments. Equifax also removed one of my credit cards with XXXX XXXX  that I have paid on time for six months off of my credit report. The credit card was compromised and was cut off until a new card was reissued. I still have this account and it is in good standing. The account was NEVER closed and this has also hurt my credit score. I feel that Equifax reporting agency is unfair and seeks to hurt people who are trying to repair their credit. Please help me resolve this issue with Equifax.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc. (UT)

XXXX XXXX is reporting on debt on my credit file that I do not owe. I was never notified of this debt. I only noticed this bad debt on my credit file. As soon as I found out I called and immediately paid it. However, I was not given the proper protocol. I never received any phone call, letters of any type in the mail. This is a violation of my 30 day right to dispute. This debt is years old and when I called they had no idea why they did not send me any proper notifications. This bad debt needs to be removed off of my credit.
Consumer complaint received 2023-06-14
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-14
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX XXXX
Consumer complaint received 2021-01-11
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: CRESCO CAPITAL INC. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-12
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. (GA)

Experian and XXXX both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX  3 . XXXX XXXX  Initially, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1XXXX XXXX XXXX XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (CA)

On XX/XX/XXXX at XXXX XXXX, I spoke with a representative that told me I should have received title within 25 days from payoff date, which was XX/XX/XXXX. After the representative looked further into account notes, she stated the title had been requested because it wasn't held in house. As of XX/XX/XXXX, she doesn't know when to expect title, why it wasn't sent ir when I would receive it. When I asked to speak to a manager or someone who could give me an answer, she stated there wasn't anyone. All she fan donis send an email. 

Exeter finance has taken my money and not sent me my car title. No one can explain to me when I'll receive it, the hold up or where I can complain about this issue.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-09-07
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court