davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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)

Transunion continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX   tells you it is proof of this with the XXXX PD and of course XXXX   XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX  # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

Transunion and the companies aforementioned are direct violation of FCRA.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

Hi! My name is XXXX ( full name : XXXX XXXX ) and I am contacting regarding my auto loan with Chrysler Capital. In XX/XX/XXXX I have arrived to the dealership and applied for a car loan. They approved me with 20 % APR and informed that I will be able to lower the apr as low as 2.99 % after I complete 7 payments in time. After paying the monthly payments in time I contacted Chrysler Capital to ask to lower the apr and my monthly payments but they rejected my inquiry. Also, I found that 80 % of the money I paid since XX/XX/XXXX were counted as an interested and in fact I paid almost nothing to cover my actual loan. Now in XX/XX/XXXX, I still owe almost the same amount as I owed in XX/XX/XXXX. I am not able to continue my payments with the given APR as my plan was to pay only during 7 month. I can pay in time my debt if I can receive the normal APR that my credit profile deserves but the company is rejecting to negotiate and I was rejected with another bank to refinance. Please help me in this situation. 

Chrysler Capital loan terms are unfair, they are damaging my life : I cant afford healthcare, save money or any vacation and all of these forcing me to file a complain. If they never told me that I can lower my apr after 7 payments I would not sign for that deal.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi Savings and Checking account on XX/XX/XXXX and deposited {$20000.00}. I then added another {$35000.00} on XX/XX/XXXX in order to qualify for the {$700.00} new account opening promotional code. 

On XX/XX/14, I contacted Citi to confirm I would get the {$700.00} provided I kept a minimum balance of {$50000.00} for 90 days after XX/XX/XXXX. I was provided a promo code number ( XXXX ) and assured I did qualify. This was XXXX from Team XXXX. This was at XXXX XXXX  On XX/XX/XXXX, I contacted Citi again at XXXX XXXX  PST. I was told I had to wait no longer than XX/XX/XXXX for the final {$300.00}. This was from a person who only identified as a number ( XXXX ). 

On XX/XX/XXXX, I received {$400.00}, instead of {$700.00}. 

On XX/XX/XXXX, I contacted Citi again. They would only open a complaint. This was done by XXXX from team XXXX. It was at XXXX PST. 

I have no confidence whatsoever that Citi has any intent on honoring their promotional offering.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/XXXX I went to Wells Fargo in XXXX, SD to remove my deceased spouses name from a checking account, a savings account, and a Visa credit card. The branch manager, XXXX, indicated that she would do so. She was to get back to me re : a new account but never did. That was a telling sign that she didn't want XXXX customers at her branch. 

On XX/XX/XXXX, I was informed by WFB that XXXX, the branch manager, did not remove his name from the accounts, despite my being there for an hour, and having a certified death certificate. 

On XX/XX/XXXX, I attempted to closed the checking account and WFB Banker, XXXX, would not do so. XXXX declined to accept the debit card and blank check stock for that account. Eventually I just left the items with her and exited the bank. 

Employees tell management that I needed to return to the bank in XX/XX/2020 and to make an appointment to close the account. Employees at the bank also told management that I was " confused '' about closing the account. I was not confused as to my actions. If I was unsure about removing his name from the account, why did I travel to the bank with his death certificate? 


Management would not assist. XXXX, Regional VP, XXXX. The Upper Midwest President XXXX XXXX XXXX would only say she was too busy to talk to me. 

After being with WFB for 26 years, this is how they reward loyalty.
Consumer complaint received 2020-03-06
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. (CA)

Contacted FICO/XXXX/Equifax numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-05-04
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

Hi today ( XX/XX/XXXX ) I called TD bank because I had an overdraft Balance of {$680.00} out of which 82 % was overdraft fees ( {$560.00} ) when I called to try to get some of the overdraft fees removed, they declined it. I asked to speak to a manager and she also declined my request. 

When I asked why I was charged my first overdraft fee of {$70.00}, I figured I was victim of balance misrepresentation. 

On XX/XX/XXXX I was charged a overdraft fee of {$70.00} for over-drafting my account to - {$6.00}. However, my balance was showing {$240.00} positive and it didnt show un posted transaction which still totaled up under {$240.00} because some of them were charged after XX/XX/XXXX when the first overdraft has already occurred. XXXX the manager had told me it was due to pending transactions not shown on my account which led me to believe I had a positive balance.
Consumer complaint received 2023-04-11
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: FC HoldCo LLC (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (TX)

I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.
Consumer complaint received 2020-03-06
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: MISSION FINANCIAL SERVICES CORPORATION (FL)

I am writing to complain about Mission Finance and XXXX  Credit  Bureau. Mission Finance sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. XXXX  has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the XXXX  was destroyed. I had paid for the 2290 Form and could not get my money back
Consumer complaint received 2020-05-04
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. (IL)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-22
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. (OH)

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Consumer complaint received 2020-05-04
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-06
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. (AL)

I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (AR)

We had a total loss on our vehicle on XX/XX/XXXX. Our insurance company sent the pay off check on XX/XX/XXXX and it was signed for at Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX @ XXXX XXXX. After numerous phone calls to Chrysler, we were told that the check can not be located and had to wait 30 days to see if they could find it. On XX/XX/XXXX we received a call from Chrysler that they can not locate the check and we needed to contact our insurance to stop payment and re-issue. That was done and the 2nd check was signed for on XX/XX/XXXX at XXXX XXXX. In the meantime, Chrysler located the first check, which had a stop payment on it, and applied it to our account. They realized their mistake and took it off of our account. Now they can not locate the 2nd pay off check. I have a difficult time, obtaining updates and explanations as to why this is happening. This is now going on 6 weeks and may have to wait another 30 days and repeat the same process. Our account is in the " Executive Office '' but is not assigned to anyone in particular. When we call, we get a new person and then told " We are very sorry but you will have to wait for us to investigate ''. This is not reflecting on our credit as late yet, but it is reflecting on our credit that we are carrying 2 large auto loans. This one and the replacement vehicle that we had to purchase. We can not get a straight answer as to why this is happening. What are the chances of 2 payoff checks getting misplaced that was signed for by 2 different people. We just feel like our hands are tied and can't do a thing about it. We will NEVER finance through Chrysler again.
Consumer complaint received 2020-05-04
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WA)

I have had numerous difficulties with Sallie Mae regarding my account. Including receiving phone calls and voicemails, family members and my employer receiving phone calls. As well as the employees at Sallie Mae providing false information to my family regarding my payment history. I have tried to work with this company numerous times to make adequate payment arrangements and never get the same information twice when I contact them. Often times when I do try and contact them my contact person is not available and if I speak to a different individual they can not provide correct or accurate information.
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2020, I transferred {$380.00} to another Zelle user using my XXXX  XXXX XXXX app to pay for concert tickets. The zelle  user is XXXX XXXX ( Cell XXXX ) ( Email XXXX ). The user took the money and never delivered tickets despite sending emails and texts representing that they had tickets. I tried to dispute with XXXX  XXXX XXXX which represents Zelle as being secure but it is not. I also tried disputing with Zelle.
Consumer complaint received 2020-01-22
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: U.S. BANCORP (NV)

Advised by XXXX  Credit - my score went " down '' due to " HARD INQUIRIES ''  made by my bank on XX/XX/2019 & XX/XX/2019. ( US BANK CONSOLIDATED - XXXX XXXX, MO XXXX ). 

I was not made aware US Banks inquiry was a HARD INQUIRY, and affect my credit score negatively. I went to my local bank ( Account No.XXXX ) and asked them to remove the hard inquiries, to no avail. I was told that is the their system worked. I was annoyed and told them their customers need to be aware if their inquiry would affect their credit score. I advised how the heck can someone consolidate bills and the decision for a consolidation of bills is based on your credit report, wherein US Banks inquiry negatively affected my score? Absurd.

I am respectfully requesting both these inquiries be removed immediately. As a retired, XXXX, XXXX XXXX Veteran,XXXX yrs old, I have never encountered this trickery against a consumer. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-01-22
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. (OH)

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

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