davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (CA)

I get the credit with Santander Consumer USA in XXXX, so I had been paying {$650.00} every month for many years, I pay more than {$50000.00} dollars for this car! 
My car was reposes first time last year XXXX, then I pay the amount for recover the car, I notice that something wrong with the car ; one mat was stolen, the tires were so worn out, very used, that was strange because I bought recently the XXXX new tires in the XXXX the maker company. I realized that the tire that I bought was changed, I reported this to XXXX company, I never received a response! I called to this number to make the report, but they don't do nothing! Then they repose the car again in XX/XX/XXXX, I called them, to request an extension because I was facing financial difficulties loss of job, but they repose the car without letting me the opportunity to negotiate a payment plan. 
Another thing about the reposes was that they keep the car a lot of time about XXXX  months, so they charged me tons of extra $ for keep them my car, they said that I need appointment! Was so hard to communicate with them... so Santander Consumer USA they charged me all this fees $ to my account ; the amount that the repose companies said without investigation. 
Santander Consumer USA is a Fraud Company! They robber people with extra extra fees, they don't send you the statement, and in my online account I never found accuracy information, unclear what they fees are? A lot of irregularities ; I pay {$650.00} every month only for their fees, they put only {$5.00} in the principal and used the rest for their exorbitant fees! And at the end they repose the car anyway! I pay a lot of money, and the car never was my. I feel very disappointed with my first experience with a car loan.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-17
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

My credit is being damaged by the inaccurate and lack or report of my credit. It states that since XXXX I have a balance of {$1800.00} when in reality I have lowered my balance to about $ XXXX and it is not being reported at all.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, Experian emailed me and informed me that {$6300.00} was charged to a XXXX credit card that does not belong to me. I have sent an online dispute that this is not my credit card, and I never charged {$6300.00} on any of my credit cards.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-10-04
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a XXXXXXXX to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

In XX/XX/XXXX, I co-signed for a personal loan for my step son XXXX XXXX. with One Main Financial. The loan amount was originally {$17000.00} but after fees charged by this company the loan ended up being about {>= $1,000,000}. Besides my co signing, the company also required that my step son put up the title to his automobile. He signed over the title to get this loan. 
The company ( One Main Financial ) required that this auto be insured with Full Coverage Insurance for the entire length of this loan. Our loan payments were {$650.00} per month. I paid that amount every month until about the middle of XXXX. At this time my Step Son chose to have the auto insured by the auto insurance company owned by the loan company One Main financial. This decision increased our monthly payment to {$760.00} per month. I paid that new amount for the loan and the full coverage insurance supplied by this loan company. 
In XX/XX/XXXX, this auto used as collateral was stolen. We contacted the loan company. They in turn sent us the required documents to file a claim with the insurance company. We filled out the required forms along with an actual Police report provided to us by the XXXX Police department. All of this documentation was submitted by the middle of XX/XX/XXXX. 
On XX/XX/XXXX, the insurance company informed the local office that they were indeed going to pay the loan off. They requested that the local office send them the title submitted by my step son to close out this case and again pay off this loan. 
TODAY IS XX/XX/XXXX, OVER XXXX MONTHS AFTER THE INSURANCE COMPANY REQUESTED THIS TITLE AND OVER XXXX MONTHS SINCE THIS AUTO WAS REPORTED STOLEN AND THE PAPERWORK SUBMITTED TO THE INSURANCE COMPANY. The insurance company is still waiting for the title from the local office. 
On XX/XX/XXXX the DMV of Pennsylvania sent the title of this auto the the local loan office. the local office says they cant find it " IT MAY BE LOST OR WENT TO THE WRONG OFFICE '' But through it all they keep threatening, harassing and badgering me to keep making these {$750.00} payments. I keep asking them why are you still requesting that I keep paying this loan when clearly it is in the hands of the insurance company. They tell me i have to wait for them to order ANOTHER TITLE BECAUSE THEY CAN NOT FIND THXXXX XXXX XXXXVIOUSLY SENT by the DMV. I ask why am I being punished for their losing this document, They say that's just the way it is. 
I believe they have the Title and they are just taking advantage of me to get as much money as they can get. I did what was required by me. I paid the extra money for the insurance. They even made me keep paying for this insurance after the car was stolen. I have paid 3 monthly payments since this car was stolen. Approx {$2300.00} and they are still asking for more with no end in sight. They could have me pay this loan for the next year and there is nothing I can do about it '' Please advise ....
Consumer complaint received 2024-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XX/XX/XXXX, I received a letter from Bank of America and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with Bank of America, XXXX, XXXX, and XXXX several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by Bank of America, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-08-22
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a victim of XXXX XXXX of Debt bondage and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST XXXX of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXX violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I requested account to be closed upon full payment on XXXX, 2023. The representative assured the account will be closed upon full payment. I made the payment in full, but the account remained active unknown to my knowledge or my permission. I need for this to be corrected, since its hurting my ability to gain credit.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX, AMEX XXXX, AMEX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Service acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-23
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: American First Finance, Inc. (NJ)

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX  in a XXXX XXXXXXXX XXXX I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not open these accounts, my information was fraudulently used to obtain this credit. I have disputed this with these companies previously and the accounts were removed from all three credit bueraus but recently they have been added back onto my report.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX, While on a plane from XXXX to the United States I received a security message regarding a charge of {$420.00} at a XXXX in XXXX California. I responded to the message stated I did not recognize the charge and upon landing at XXXX I called the recommended number to report and dispute the transaction. It was not possible for me to make this transaction as I was not present in the country at the time and had my debit card on my person. When On the phone with the Claims agent I contacted from the number XXXX, i specified that this is fraud for the reasons mentioned such as not being in the country and having my physical card on my person as well as utilizing my card via chip while traveling. I also stated I would like to have a new card delivered and open a fraudulent claim on the transaction. I was told I would receive a phone call and email once the claim was resolved. 

XXXX The Claim was resolved and the transaction was deemed authorized but I received no direct communication other than a letter in the mail. 

XXXX XXXX I received a letter in the mail stating that my claim of fraud was denied and the transaction in question was authorized. I then called the claims department the following Monday to be informed that they can not reopen my claim as it was already decided. Additionally when i requested formal documents from the claim review it was stated that it would take 60-90 days which would place any inquiries I make about this instance of fraud invalid as they are not within Wells Fargo 's stated period. When requesting the names of the individuals I had spoken with to issue my claim with Wells Fargo in an effort to collect information for a claim to the proper regulatory channels that information was denied to me. I was informed by a secondary agent on XXXX that the individual who originally filed my claim misfiled it as a dispute rather than fraud and this is why they are unable to reopen my claim. I have multiple forms of proof that I was not in the country at the time of the transaction as well as the security messages and bank statements showing my prior transactions were overseas with my physical card. My claim as of right now is being denied on the basis of " Wells Fargo has ways of determining if a transaction was authorized or not '' according to the primary claims department agent I spoke to on XXXX. The misfiling of my claim should not fall onto me as it is not my error in the resolution of this issue however it is barring me from reclaiming the money that was fraudulently used to purchase {$420.00} of goods from a XXXX in XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

Dear Sir/Madam, I am writing to inform you that I no longer wish to dispute the accuracy of the information reported on my credit report concerning the account in collections with Berlin-Wheeler Inc- XXXX . I requested over 30 days ago in writing that you please remove the dispute comment from the comment section of this account on my credit report. 

I have resolved the issue related to this account, and I would like my credit report to reflect the current status without any reference to a dispute. Please update my credit file accordingly. I applied for credit recently and one of the reasons for denial is that to many accounts are in dispute. 

How ever you failed to notify me of my rights to dispute before you reported this debt, I had no knowledge of the account was accurate from a XXXX rep and that's ok even though i don't agree with XXXX decisions I am going to humbly refuse to pay. Just to be honest I don't have it right now I have a lot on my plate. My grandmother is in the hospital and things are going to be real tight. 

Thank you for your prompt attention to this matter. My apologies they brought you into this matter. Take care!