davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: SANTANDER HOLDINGS USA, INC. (NC)

I am writing to address a concerning issue regarding the delayed deposit of a check sent by the car dealer to return the amount for a canceled XXXX XXXX XXXX ( XXXX ) to the Santander Consumer USA. 

On XX/XX/XXXX, the automobile dealership from which I purchased the vehicle dispatched a check in the amount of {$2600.00} via overnight XXXX XXXX to Santander Consumer USA as reimbursement for a canceled XXXX XXXX XXXX  ( XXXX ). The check was successfully delivered and received by the bank on XX/XX/XXXX at XXXXXXXX XXXX. 
However, regrettably, as of the present date, XX/XX/XXXX, the funds from the check have yet to be reflected in my account. 

Given that this check represents a refund for a canceled service contract, timely processing and deposit are essential to ensure the prompt return of funds and avoid any adverse effects on my financial situation. 

Upon contacting the customer support center of the Santander Consumer USA, I was informed that it could take between XXXX to XXXX days for the check to be processed and deposited after the date of recieve. 
This prolonged time frame appears excessive and raises concerns about potential violations of banking regulations, particularly regarding the timely processing of refunds for canceled contracts. 
Furthermore, they declined to furnish any documentation outlining a processing timeframe for checks, attributing the delay to an " internal rule '' without offering further clarification or reference to relevant documents. 

In addition to the delay in processing the refund check, I am also concerned about the calculation of interest during this period. It has come to my attention that while the check remains undeposited, interest is being calculated on the full amount, including the amount of the check which effectively means a few hunder dollars of extra interests picked by the bank without any reason. 

The unforeseen delay in the deposit of the check resulted in a payment becoming due for a period of XXXX days, given that my regular payment date is the XXXX day of each month. I had anticipated that the aforementioned check would cover this monthly obligation. However, upon realization of the non-deposit of the check, I promptly remitted the payment through an XXXX transaction from my account, thereby ensuring that the account remained free of any outstanding liabilities. As of present, no late fees have been observed on the account, and I trust that none shall be imposed. However, should such fees be levied, it would be unjust, as the delay was not attributed to any actions or oversights on my part. 

My dealer furnished me with a duplicate of the check, along with documentation confirming its dispatch and a tracking number, verifying the date of delivery which I am attaching below.
Consumer complaint received 2023-05-08
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 items 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 items XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Consumer complaint received 2023-05-08
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)

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 items 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 items XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Consumer complaint received 2024-05-06
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

For no reason that they could tell me Wells Fargo drop my XXXX score from XXXX to XXXX. The only thing I can think of is I complain couple days earlier about their fees and their high balance balances I had to have do not have fees I called XXXX where they say they get their XXXX  score they said my score was perfect. XXXX. I thought something fraudulent was going on. I cant get any answers from anybody.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: 4M Collections, LLC (WA)

On XX/XX/2023, I received a notice on my credit reports that a company named Solverity placed a tag line on my credit reporting stating that I had a charged off account, owing {$110.00}. After some research it seems that the original owner of the account was owned by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX. I had a balance on my waste account for ( {$110.00} ) for which I paid on XX/XX/2023, via an online payment using XXXX XXXX  website. I even spoke with a customer service agent, and I was never informed my account was sent to a debt collection company. I never received any notification from Solverity about the debt, and I was not allowed to verify the debt as allowed for in the Fair Debt Collection Practices Act ( FDCPA ). " Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered.
Consumer complaint received 2023-05-08
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-24
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This account was originally opened on XXXX That is now 18 years ago. However, Kohls continues to report this account. 

This account had been in dispute and is now resolved and is closed. 

I am in the process of selling my home and purchasing a condo. This item is hurting my credit.
Consumer complaint received 2023-05-08
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. (NC)

I've been contesting fraudulent ITEMS on my credit report. The items are not in dispute and have not been deleted from my report. The agencies appear to be ignoring the trend and allowing these false things to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be provided if the things claim to be mine. I'VE HAD ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO REALLY DO SOMETHING? LOOK AT THE ATTACHMENTS! THIS IS NOT ROCKET SCIENCE! You requested documentation, which I provided. AGAIN AND AGAIN! This is my last choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2008 ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-05-08
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. (NC)

I've been contesting fraudulent ITEMS on my credit report. The items are not in dispute and have not been deleted from my report. The agencies appear to be ignoring the trend and allowing these false things to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be provided if the things claim to be mine. I'VE HAD ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO REALLY DO SOMETHING? LOOK AT THE ATTACHMENTS! THIS IS NOT ROCKET SCIENCE! You requested documentation, which I provided. AGAIN AND AGAIN! This is my last choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2008 ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (NC)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Unifin Inc. (DC)

The following text message was sent to me on Monday, XX/XX/2024 : This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXX or https : XXXX ChargesMayApply Reply STOP to stop texts I called the number in the text XXXX EST and a 2nd phone call at XXXX EST ( has nothing exists on my credit report ). The first agent hung up on me and told me, they will remove me from the list ; I was seeking a reason of how & why my number was involved and what additional information about me, XXXX XXXX they have in fileagent hung up on me. 

Called the number back immediately, agent would not listen to me or answer any of the same questions mentioned aboveagent said they would remove me from list. 

At XXXX I received the following text message This is Unifin a debt collector Contact us about ref # XXXX XXXX XXXXXXXX or https : XXXX XXXX Reply STOP to stop texts
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (SC)

To whom it may concern, 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 alleged identity theft, not later than 4 business days after date of the 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 : ( 2 ) 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 following account ( XXXX ) listed IMMEDIATELY! 


Account name : XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( original creditor : XXXX XXXX ) Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX Date opened : XX/XX/XXXX Account number XXXX XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to all 3 of the credit bureaus and they have given me the run around I have sent in my FTC report in months ago here are the accounts and inquires that need to be removed Immediately. 

Account Name and Account Number 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 2023-06-05
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: SANTANDER HOLDINGS USA, INC. (TX)

These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I attempted to pick up the transfer at two locations. At the XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX I was told the transfer was not available after calling in before arriving and after being told otherwise. I then attempted to pick up the transfer at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and was told the same. Funds for reference number XXXX were not available as promised.
Consumer complaint received 2023-05-08
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. (SC)

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (GA)

This company is stating that I opened up XXXX accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC (FL)

On Wednesday the XXXX I accidentally deposited {$3800.00} to Dave banking and cash app said the deposit was successful again and Dave is saying they never received it. And with the {$490.00} it took 35 days to get it back and I dont want the same thing to happen with this.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act. XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX XXXXXXXX  XXXX  account number # XXXX and XXXX XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc. (NY)

In XX/XX/2023 I was charged roughly {$1000.00} for a custom shorts order through XXXX. They sent a payment portal through the company Plastiq. XXXX XXXX took 5 months to finally ship the shorts. When they finally did 4 pairs ( {$240.00} worth never showed up ). I have video proof from my front porch that only one box was ever delivered. I repeatedly contacted XXXX XXXX to let them fix their mistake and they ceased responding. I attempted to do a chargeback with chase but too much time had elapsed since the initial charge. Following this I repeatedly explained everything to Plastiq and XXXX XXXX and they have never responded. I could not even track the package to see if it was supposed to be two boxes because the only tracking provided was an empty link to the ups website. This has been a horrible experience overall with both Plastiq and XXXX XXXX. I would recommend never using or purchasing from either.
Consumer complaint received 2023-09-06
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. (CA)

This is my OTHER 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 accounts 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 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$3500.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately eighteen months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.