davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (IL)

For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist.  On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer  compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.
Consumer complaint received 2017-11-07
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. (TX)

On XX/XX/XXXX sent a letter to Equifax notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XX/XX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Equifax is in violation. The accounts in question are listed below : XXXX XXXX {$420.00} XXXX {$2100.00} Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XX/XX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
Consumer complaint received 2016-01-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My spouse and I called Navient on XXXX/XXXX/16 to ask if we can lower repayment amount. They ran our credit report without our consent. They said, " I am running your credit '' after the action. At that time, I did n't say anything, but they should have asked me before the action.
Consumer complaint received 2024-11-20
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)

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( mo ) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Consumer complaint received 2017-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: POPULAR BANK (NJ)

When I opened the account I inquired about when the $ XXXX deposit had to be made in order to qualify for the XXXX bonus. I was told it had to be made within 60 days of accounting opening and it was not mandatory to be made all at once. I followed up on XXXX/XXXX/XXXX with the online banking department and they could not confirm if or when I would get the bonus.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MD)

I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.
Consumer complaint received 2020-01-29
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: ENCORE CAPITAL GROUP INC. (NH)

On XX/XX/XXXX I had a company named MIDLAND CREDIT MANAGEMENT posted a NEW collection on my credit report. BUT it wasn't new it was a year and a half old. I believe this is agents the law! It's my understanding that once it goes into collections the date can't be changed! I have submitted a claim through my XXXX XXXX app. If you could help that would be great!
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Today I received a call from a so called representative from the bank where my mortgage is held ( PHH Mortgage services ). He claimed to be my new relationship manager, and was offering me a loan modification as well as a reduced mortgage payment.in order to avoid foreclosure. I am 2 months behind and discharged form chapter XXXX  bankruptcy. I was told that in order to participate in this program and save my home, I would have to send in {$960.00} which according to him would clear up my negative Escrow., and allow me to move forward with the modification. Mr. XXXX XXXX phone number XXXX XXXX XXXX said that my negative escrow as stated could only be paid through XXXX. I called the bank and they said that my escrow was negative ( {$190.00} ), and that I was not in forclosure, and If I wanted to clear it up I could send a check to the banks escrow department. They also stated that they have no notes of a call being made to me or do they have a record of a XXXX XXXX at the bank. They also gave me the name of my relationship manager. It is possible that this is happening to a lot of other individuals that are in similar situations with their mortgage and are being approached and scammed because of their perceived vulnerability. 

Thank You
Consumer complaint received 2020-01-28
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: CONTRACT CALLERS INC (PA)

Contract callers continues to furnish negative tradeline on credit file. Sent company verification and validation of signature. Company failed to comply and continues illegally furnish according to FCRA Guidelines.
Consumer complaint received 2023-07-24
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-07-24
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-24
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX
Consumer complaint received 2023-07-24
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-07-24
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-07-24
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-24
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. (IL)

Got email from XXXX XXXX that an application for a credit card was submitted on XX/XX/2023. Multiple emails alerts were also received from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX about a new inquiry/credit card application. 

Soon, someone contacted me from XXXX and went through the whole nine yards asking questions and validating information etc. Then they hung up saying that they will investigate and close the account/application that was not opened/submitted by me. 

In the afternoon of the same day, another person from the same institution XXXX called and once again verified and validated a sequence of information and once again they confirmed that the fraudulent application was submitted and they will deny the same.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc (MI)

Bright XXXX forced me to purchase a {$36.00} dollar membership on XX/XX/XXXX which I wanted refunded immediately. they claim they have 24 hour support so I messaged the in app support and I emailed them. I never got a response Sunday so I assume because its not a business day that I should wait until the next day Monday comes along today and I called the number no response. The number doesnt work and i tried to email all the different company emails and once again tried the in app support which once again I get no response or refund, I went online to look if anybody else was being charged and hundreds of people are complaining that they are forced to buy a membership and then are charged {$99.00} instead of the actual scam membership price anyway and then are also receiving more charges from Bright XXXX out of nowhere. I fear that when bright money goes to forcibly charge me the {$36.00} for the membership they made me purchase by misleading me that they are also going to charge me {$99.00}. I am very scared because I do not have a lot of money. I would like a refund with Bright XXXX immediately and I want my bank account disconnected but they will not do that for me and they have access to my bank account.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.