davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to Transunion, XXXX, and XXXX and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : Transunion XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-10-15
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OK)

I qualify for loan forgiveness due to school closure. I have filled out the application several times they keep denying it for different reasons the last reason they told me is because I need to prove I was enrolled at the time the school closed. So I paid to have my transcripts sent to the loan holder Great Lakes who again gives me another excuse. conveniently they apparently didn't receive it so I sent them a copy of the confirmation from where I ordered it which shows the email address it got sent to within their company and they tell me that that's not the correct department that handles that kind of paperwork and I would have to try again. They should have all that info to begin with. I feel they are purposely not approving me and that is not legal. If I qualify I deserve to get approved. I was attending XXXX XXXX  college 's XXXX yr XXXX program when they shut down for financial aid fraud
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (AZ)

Santander USA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX New auto loan:XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX, car is great, lender public known for various predatory lending violations in over 34 states  AZ Case Attorney General vs Santander USA Inc XX/XX/2020 XXXX XXXX. Loan amount {$19000.00} Annual Percentage Rate 19.25 72 mos $ XXXX.mo {$13000.00} finance charges, XXXX XXXX stated necessary to purchase extended service contract to be approved after approval Santander stated this was not true and cancellation permitted payment would not be lowered. XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX CEO has associated store XXXX XXXX listed in the court filing for predatory lending violations currently, your help is appreciated.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union   XXXX   and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score on this date they reported my XXXX XXXX account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX financial advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans  Union my scores would of not been effected!!!!! 

After contacting XXXX XXXX and they sent official documents showing they never reported to Trans Union the increased balance I feel like Trans Union system is reporting inaccurate balances on my credit report. This has happen again today on XXXX I paid XXXX on XX/XX/XXXX and my balance reflected XXXX as of XX/XX/XXXX. Today my balance went back to the old information of XXXX causing my credit report to decrease and impact my credit score once again. This is impacting my score negative every time I pay it and I need this to cease immediately or removed this account front my credit report.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

A few years ago, I want to say early 2000 's, I froze my credit with Equifax after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Equifax to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Ive had XXXX separate disputes with USAA in recent months and they are blindly siding with the merchant. Most recently, I spent upwards of 40 days arguing the validity of a dispute with them only for it to finally be reimbursed by the merchant themselves after threatening legal action. They claim that they send documents and they do not, they make not attempts to reach out via electronic communication even though Ive signed up for them, they cite letters that theyve mailed, they lose evidence. My last once went as far as telling me that I had to prove that this merchant was who I said they were because the point of sale company didnt match the company name. Even though I had time stamped transaction details and written communications with the merchant acknowledging the debt. USAA not only didnt believe me, they wouldnt believe the merchant either. They are enforcing customers to investigate their own claims ( hours ) and pulling back credits with no explanation or notice. An agent admitted that they recently changed their claims process. They also refuse to disclose any evidence of their ruling. Nor do they reach back out to the customer before ruling ( something they explicitly state that they will do ).
Consumer complaint received 2020-10-15
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a capital one credit card and I never received the statement and they report me for late payment I owed {$1.00} I called them in XX/XX/XXXX they told me to write a letter asking them to removed the late payment 45 days later I had to called them because I never was notified that my request was denied I ecplyaned them that because coronavirus maybb be e the stamens was lost and they did not care.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX, XXXX XXXX  XXXX has been harassing me everyday for the past 3 weeks. They called my employer, family, friends all day ; calls are made every 5 minutes. The debt they are trying to collect was settled in XXXX. I have documentation. They threatened to sue me in court. I need help with stopping these scammers. 

I received a letter today XX/XX/XXXX, the letter is dated XX/XX/XXXX. It states I owe {$3000.00} and if I dont pay or respond within 30 days ; I will be sent to court. 

We have spoken to them several times and they dont give enough information for me to determine if they are a legitimate company.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sterling  Hill Financial (TX)

I paid Sterling Credit Group on or about XX/XX/2019 to repair my credit. I told the lady that I have 5 things that needed to be cleared from my credit. The five things are : XXXX XXXX ( 30 day late ), XXXX Mortgage ( 30 day late ), XXXX XXXX ( 5 30 day lates ). I also explained to her what I thought were other issues on my credit reports. I explained that my husband recently died and I had taken care of him when he was XXXX  XXXX and trying to live on one pay check since his illness. Thats why I had the 30 lates. I also told her that I have two 30 day lates for my current mortgage with XXXX XXXX and one 30 day late with XXXX XXXX XXXX XXXX credit card which neither had not showed up on my credit report yet. I pay my bills every month. I also told her that I made the payment to my XXXX XXXX XXXX XXXX credit card but they told me that I didn't pay the right amount. They said that my payment was {$12.00} short and so that meant that I didn't make a payment at all. As of this date, all of those same items that I reported day one is still on all of my credit reports although I was told that the items would be removed from my credit reports. I emailed every credit report I ever received from all bureaus. Recently when I talked to them, they didn't want to discuss the items still being on my credit reports but the NEW items that had be updated or removed. They didn't do anything to get items updated or removed. I also paid to become one of their credit repair sales agent in XX/XX/2019. I have a email confirming my payment for Sterling Credit Group agent from XXXX XXXX on XX/XX/2019. I want to be refunded in full for both the credit repair payments and the credit repair sales agent payments. This company tells you everything you want to hear including getting a personal call from the owner This company is a scam and fraud that takes their customers money but never deliver on what they say they are going to do.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OH)

I opened an account with Synchrony financial in XXXX of XXXX. My credit limit was {$2500.00} and I have a {$400.00} balance. Since opening the account I have made every payment on time and more than the minimum amount owed. I have two accounts with this company and went on to make my payment this month XX/XX/XXXX ( Due date XX/XX/XXXX ). I got an alert on my phone today XX/XX/XXXX that I needed to make the payment .... so I logged on and realized that I must have never hit submit! Honest mistake ... and because of it I have no problem paying a late fee, extra interest etc. However, this company chose to also lower my credit limit by about 400 % or {$2000.00}. This will inevitably have a traumatic impact on my credit score, by taking my credit utilization from 20 % to 98 % on this card! 

When contacting the company, they stated that they did a review of the account and decided to decrease the limit due to my credit report. Which I could understand ... except my credit score and account standings are even better today than they were when I originally opened the account! 

This is completely unethical and I'm positive that I'm not the only consumer who's been affected by this change! To knowingly cause damage to consumers credit during a pandemic is absolutely abominable and I sincerely hope you can help!
Consumer complaint received 2024-11-18
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. (PA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

On XX/XX/2020 my husband noticed a XXXX XXXX transaction was sent to a XXXX XXXX from our checking account from USAA and asked me about it. I replied I did not make that transaction from XXXX at all. He immediately called USAA and reported fraud. As he was talking to a representative, I checked my savings account and noticed another XXXX was taken unauthorized through XXXX  two days prior which was that Saturday, so I got on the phone and reported that also. Our accounts were frozen for 72 hours and then after that no call or update, all our pending transactions were released. At this point, all our funds were removed and placed in another account that was not involved. On XX/XX/XXXX, I got two emails saying that my claims were denied and no fraudulent activity was found and the cases were closed, immediately called USAA and due to Covid, requested a representative call me back due to the wait times. The representative called me and I expressed my concerns and requested the documentation to be provided stating why it was closed because the letter I got stated I could get them. She told she would request them and it would take one to three business days and she would have everything reopened and a fraud analyst call me. This was Wednesday and I gave USAA until the following Wednesday. At this time which is now XX/XX/XXXX, I called USAA again asking the status of my claims and my documents. The representative even sounded confused to why it was closed because their findings made no sense to him. No notes from anyone looking into the two claims nor did I receive any documents. I told him on the XXXX, that USAA has until the following Wednesday to contact me with some sort of progress or documentation. I stated he could annotate the account I would file a complaint with the CFPB that this was not right. Its now XX/XX/XXXX and NO ONE has reached out to me via phone, email or mail.
Consumer complaint received 2020-10-15
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 disputed a fraudulent account in my name : - XXXX - XXXX I attached a police report and sent a dispute letter asking Experian to verify the information on my credit report or delete the account. 

My dispute was denied by Experian, there was no thorough investigation, the police report was not taken into consideration. 

This is a violation of FCRA regulations and federally illegal. Experian has been fined in the past for similar activity with consumers.
Consumer complaint received 2020-10-14
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: Convergent Resources, Inc. (NV)

On XX/XX/2020, Convergent Outsourcing, Inc. added a derogatory mark on m credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Certified debt validation letters were sent to Convergent Outsourcing, Inc. on XX/XX/2020 and again on XX/XX/2020. Both times the company sent me a letter saying the debt is valid and attached a bill with no signature or contract as verification. A bill with no signature or contract does not verify/validate this account/collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying it's mine. I have no knowledge of this account/collection and it does not belong to me. According to FCRA, Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.