davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (WA)

XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA. 
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us. 
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace. 

Thank you,
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Macys XXXX has placed me on electronic billing statements without my permission several times. I have gone to their website to request paper statements to just be switched back to electronic statements a few months later without my request. Being that Macys spams my email account several times a day with unwanted marketing material, I opt out of their emails which removes Macys.com from my email box and therefore electronic statements never make it to me. This has happened twice in 18 months which resulted in 2, XXXX lates reporting to my credit reports over the last 18 months. Macys customer site for their consumer charge card is confusing and uses multiple pop ups trying to trick the consumer into electronic statements without the consumer understanding.
Consumer complaint received 2024-09-08
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. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-06-29
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (IL)

I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-09-08
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. (NC)

Trans Union is unlawfully reporting derogatory information for XXXX XXXX XXXX {$2500.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. Trans Union and XXXX XXXX XXXX has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.
Consumer complaint received 2020-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (FL)

I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.
Consumer complaint received 2015-07-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX XXXX, I could no longer pay my XXXX. In XXXX XXXX, started process towardsshort sales. In XXXX XXXX signed a contract and closedthe short sale on XXXX XXXX, XXXX. Both mortgageswere satisfied at the closing on XXXX XXXX, XXXX. 
( see attached HUD ) Since the closing, I have receivedendless harassing phone calls and constant collectionnotices from Chase Mortgage, as well as, outsideagencies. ( see attached notices from XXXX throughpresent ) There were probably prior collection lettersbut it was only after pulling my credit in XXXX XXXX ( see attached XXXX credit reports verifying paid account ) and verifying that account was satisfied, that I startedkeeping the notices. Some collection notices weresent XXXX overnight with a return overnight envelopeto make a payment. ( those are attached to the letters ) As a financial housing counselor, I found this behaviorto be harassing, degrading, unprofessional, andunethical practices that lead to the violating of theFair Debt Collection Act, as well as, the Fair CreditReporting Act.
Consumer complaint received 2020-06-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}.

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.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2020-06-28
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)

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently challenged the validity of the XXXX XXXX XXXX XXXX XXXX XXXX ) account thats being reported on my most recent credit report. Upon challenging this, Please ensure it is deleted from my rental reporting on grounds of the account lacking the ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately I emailed the company to see if they could verify this debt as it is coming up during tenant screenings and preventing me from being able to purchase a place. The only information they have provided is that they do not have me on record. I have also sent a letter to the corporate office asking for the debt to be verified and they have not responded.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquiries I did not authorize on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have been a customer for over 25 years with multiple Citi credit cards and limits for those cards of up to over {$20000.00}. All cards were always paid full and on time automatically. All of a sudden all my Citi cards were canceled without warning and reason, throwing decades of payment arrangements into disarray. I have spent hours trying to get an explanation and have still not been given one. Unbelievable.
Consumer complaint received 2020-06-27
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. (CA)

The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with Transunion at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Complaint Against Transunion for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : XXXX. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
XXXX. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
XXXX. A copy of my government-issued identification ( driver 's license ). 
XXXX. A copy of my Social Security card. 
XXXX. A recent utility bill verifying my current address. 
XXXX. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall 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 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (CA)

My mortgage is with CMG Financial and they are violating my HIPPA rights and the California Homeowner 's Bill of Rights by dual tracking. <P/>Due to a XXXX medical diagnosis in and treatment I had fallen behind in my payments. <P/>In XXXX of this year I submitted a loan modification. CMG had a sale date of XXXX XXXX. I was told my paperwork was complete and the sale date was postponed. <P/>I was later told I needed more documentation and that was sent. <P/>Again, told my file was complete. Again then asked for more documentation. <P/>All the while my primary contact at CMG was impossible to reach. When called I 'd always get her voicemail, left messages but never a return call. The exception being on a Saturday when she left a message. I called that day, again voicemail. Called again twice the following work week with no return call. <P/>The cycle of my file being complete followed by more requests continued. This past XXXX I again was told all documents were in but just today ( XXXX XXXX ) I was told I needed updated documents as they were expired with dates from XXXX. These documents were sent in XXXX ( I have a fax confirmation ) Additionally they asked for my medical documentation ( doctor bills, prescription invoices and the like ). I told them this violated HIPPA. They still insisted. <P/>They also continue to hold my current sale date of XXXX -- just next week! regardless of the fact it violates the CA Homeowners Bill of Rights by dual tracking.
<P/>They have left me completely frustrated. By stalling in their decision making, they then request updated documents. They are always provided promptly by me but ignored or lost. We continue to go in circles with no relief in sight for me. This has made my recovery all the more difficult due to the stress they have created.