davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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: SANTANDER HOLDINGS USA, INC. (CA)

Dear Sir/Madam, I am writing to bring to your attention an instance of identity theft that has had a serious impact on my personal finances. An auto loan was taken out in my name on XX/XX/2018 through SANTANDER CONSUMER USA, without my knowledge or consent. I am certain that I have been a victim of identity theft, and I need your assistance in investigating and rectifying this matter. 

I discovered this fraudulent loan while reviewing my credit report. This loan has negatively impacted my credit history and score, causing significant distress and inconvenience. 

Upon discovery, I reported this fraudulent activity to the lending institution SANTANDER CONSUMER USA and spoke to the following agents ( name and employee numbers to follow ) : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Despite my efforts, the issue remains unresolved. I will also file a report with the local police department and the Federal Trade Commission 's identity theft department and have taken steps to safeguard my personal information. 

I am in the process of disputing this loan with the credit reporting agencies but believe that this issue requires a thorough investigation to prevent the recurrence of such fraudulent activities. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in rectifying my credit report, investigating the fraudulent activity, and ensuring that such breaches of consumers ' financial security do not occur unchecked. 

I understand the seriousness of identity theft and appreciate your time and effort in handling my case. I look forward to your assistance in resolving this issue and bringing the perpetrator to justice. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

I have called several times over the past year or more trying to get Equifax LLC to release my credit report and or score. I have tried to access my free credit report online through XXXX XXXX XXXX website which is my right as a consumer and natural person, and I get a blank report or an error message. I have even tried to pay for my consumer report through Equifax and I am unable to do so. I have not even my report in over a year or so. Equifax has assumed a vital role in compiling personal and private information on consumers credit transaction. lawfully a consumer has the right to view what is being stored and shared.
Consumer complaint received 2020-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (SC)

I received a letter form Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank requesting money from me. I responded and sent Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank a Notice to Validate the debt claimed that I owe. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank ignored my requests to validate their account on XX/XX/2020. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank received 3 notices to 3 different addresses via certified mail. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and XXXX XXXX Bank failed to provide proof of contracts explaining why they feel like I owe them anything. 
This account has been updated each month with the 3 major bureaus and has not been validated This account has been charged off 28 times.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Given that Synchrony Bank is a major issuer of store cards and connected to various major shopping outlets like PayPal and Amazon, I found myself with approximatley 12 accounts with Synchrony Bank, which have all been open for as long as six years. 
All of the accounts have been handled exceptionally well and have been on auto payment with very low balances as compared to the established credit guidelines, which are in excess of {$14000.00} on most accounts. To ensure timely payment on the account, all have been set up on auto payment deduction for quite some time. Synchrony Bank makes it easy to request a credit guideline increase, which was done on a regular basis and they've accomodated extremely high increases on my credit accounts on a frequesnt basis. 
My problems started with Syncrhony Bank a few months ago when there was a bank error and the automatic payment processed on my Chevron Card, which caused the payment to be late. It was explained to me that this was a system glitch within Synchrony Banks system and was immediatley recified. The fee was waived, payment was defered and my auto payment began to be processed without fail for the following month or two. 

On XX/XX/2020 I learned that Synchonry Bank decided to close all of my accounts with their organization with an extremly vague response that my accounts had a high risk of non-payment and in this letter there was no reference to my credit file or the the exceptional handing of my other accounts or those with Synchrony Bank. I asked for a more detailed response with their customer service department and wasn't offered any further of a response. I believe that this is related to the most recent bank error on my Chevron account, that was supposedly fixed. 

To make matters worse, I've also recently learned that my Lowes Account, which has been on auto payment for many years was taken off for an unknown reason, which caused the account to fall past due and a late fee was assessed. Because the account is closed, it is difficult to chat with customer service online to get this situation resolved.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.
Consumer complaint received 2020-01-17
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: SYNCHRONY FINANCIAL (FL)

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. 
WITHOUT : Permissible purpose from the creditor. 
Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 


XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (CA)

I XXXX XXXX and got pre-paid card. Although, I set up direct deposit, they are not allowing me to transfer my current funds to my bank. So now I'd be forced to pay fees to Comdata XXXX XXXX XXXX Mastercard and the ATM provider for any withdrawals which will then erode my XXXX  funds.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute the accuracy of the information on my credit reports provided by TransUnion, XXXX, and XXXX. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of 12. This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. 

FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by XXXX, but there is no information from TransUnion or XXXX regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status. 

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XX/XX/XXXX. '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that TransUnion, XXXX, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

We have had this mortgage for a numerous of years and as soon as it was changed to Mr. COOPER We had a problem. We have NEVER had a late payment on our loans and we have had a number of them as we are XXXX XXXX XXXX. A few months ago somehow a payment was made from our XXXX XXXX with an incorrect number on it. Is would have been easy for them to contact us because our name was there in plain sight. Instead they sent the check back to our bank without contacting us. By the time we got the returned check it was about a month out. We started contacting Mr. Cooper and trying to figure out what happened. It took several calls just to find out why the check was returned. They didn't even tell us the problem until WE started calling them. We eventually figured out the problem and sent several payments to fix the issue. 
I tried reasoning with them to fix the credit reporting because they can plainly see we are great customers with NEVER a late payment. They didn't care! OUR CREDIT WENT FROM AN XXXX TO A XXXX BECAUSE THEY COULDN'T BE BOTHERED TO CONTACT US WHEN A CLERICAL ERROR WAS MADE ON A XXXX XXXX PAYMENT. THEY WAITED UNTIL IT WAS A MONTH LATE TO START CONTACTING US! 
I HAVE TRIED SEVERAL TIMES TO SPEAK WITH THEM TO FIX THE CREDIT REPORT AS THEY CAN SEE WE HAVE ALWAYS BEEN GOOD CUSTOMERS BUT NO! THEY REFUSE.

IT SEEMES LIKE A SCAM TO ME.

T E R R I B L E C O M P A N Y
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}
Consumer complaint received 2021-01-21
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. (NJ)

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (FL)

Good Afternoon, my name is XXXX XXXX, after applying for a loan today at my bank, I was informed by the loan officer that they could not process my loan application because my SSN was not showing on the Equifax credit report that they had pulled from the credit bureau. So the bank advised me to call the credit bureau to find out what was the problem. I called the credit company XXXX Equifax XXXX and the first person I spoke with after confirming my identity put me on hold and after 15 minutes or so another customer service representative answer the call and started the process all over again. After almost 30 minutes on the phone waiting for an answer I asked for a supervisor at first the representative didn't want to pass the call to a supervisor and them they let me on hold to the point that is an XXXX sec and I'm steel on hold! I have 12 companies reporting on my credit behavior monthly using my SSN but Equifax doesn't know why if a creditor pulls my information my SSN doesn't show and my name is using a XXXX  In the meantime my loan application is on hold because the credit bureau negligence ... ... .... please help.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (ME)

In XX/XX/XXXX I moved from XXXX to XXXX. Within one month of the move, I registered my car ( XXXX XXXX ) in XXXX  and paid the XXXX  state excise tax for my XXXX XXXX. In XX/XX/XXXX I received a property tax bill from Kia Motor Finance ( KMF ) for {$240.00} which they had paid to the state of XXXX. I faxed a letter to KMF Property Tax Dept. proving that I had moved and registered the car in XXXX. I have a receipt proving that the fax went through to the correct number. 

In XX/XX/XXXX, I received the same notice that I still owed ( this time {$220.00} ) to KMF for the property tax levied in XXXX. This time I mailed all the documents to the KMF Tax Department in XXXX XXXX, CA, proving that I did not owe this amount. I sent the package registered mail via USPS. I have a tracking receipt showing that the package was delivered to the correct PO Box . I have never heard anything from KMF and the tax charge remains on my monthly statement. I refuse to pay it but I do not want this to damage my credit rating, which is excellent. 

In XX/XX/XXXX I receive a notice from KMF that I still owe {$220.00} in property tax. I call customer service and am told that there is no record attached to my account to prove that they ever received the documents and abatement requests I sent twice. They tell me to send the request again and give me the same fax numbers and the same PO Box address I have already used without success. I ask for a number to call their Tax Department and discuss this issue. I am told that the Tax Department is not reachable by phone only by fax or mail. 

I am filing this complaint because I feel as if there is no way to get KMF to respond to my requests for abatement. They will not even acknowledge that they have received my requests. Please help me to sort this out!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. 
I respectfully request that you block and delete the following fraudulent account : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$1100.00} Additionally, please delete the following unauthorized inquiries : XXXX. XXXX - Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date of XXXX : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : 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  XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-09-03
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. (GA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX 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