davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (DE)

Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account was openened on my credit report on XXXX XXXX, XXXX ( XXXX, XXXX ). The account closed on XXXX. XXXX, XXXX written as charges off as bad credit, profit, and loss write off. The amount owed on this account is {$24.00}, XXXX. Santander Consumer USA on a recorded line stated that they did not want the vehicle. The vehicle was suppose to be picked up from Santander Consumer USA, to be sold at the auction. The profits from the auction were to be added to my account balance. Santander Consumer USA stated that the car would be to expensive to fix, they got all of their information supposedly from the tow yard owner. Santander Consumer USA did not send their own adjuster that works for their company to see how much the damages were. They took word of mouth from somone who couldve been providing them false information, especially since Santander Consumer USA never laid eyes on the car to determine the damages. Despite this wrongful repossession that has been reported to my credit, I have also been harassed several times a day with phones calls concerning this account. When asked for specific information concerning this account, the customer service representative could not provide the information. 

This is my second time filing a complaint with this company. Santander stated in the last response to my complaint that I was told several times that they no longer took interest in the car. This statement is false. I called once requesting information on the investigation, at that time I was told Santander no longer took interest in the vehicle. It was not told to me several times. I am requesting the recordings of all phone conversations since this account has been open. I am also requesting the fees and vehicle damages from the XXXX XXXX XXXX that was impounded at XXXX XXXX. Since the vehicle was never secured, how does the company know the amount of damages that occurred to the vehicle, if it was never seen by anyone from the company. Santander again took the word of a tow man, who couldve been telling them false information. The fees continued to build up, due to the rules and regulations of the Santander USA investigation process. 

This account was charged off as bad debt, meaning that its still considered a repossession to all banks and car lenders. 

Since nothing has been resolved and the company clearly has done things unrightful and unlawful. My next step will be filing a lawsuit, amongst the several other lawsuits that have already been filed against this company including the civil lawsuit, for unrightful repossessions. 

I am again requesting that this account be removed from my credit report, completely.
Consumer complaint received 2023-12-06
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)

Dear TransUnion I see that you verified the account listed below : XXXX  : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Misleading. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (VA)

The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. 

For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX  then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.
Consumer complaint received 2023-12-06
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. (AZ)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXXXXXX XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (ME)

The phone number on Net Spend XXXX does not work, the website will not allow me to talk or email anyone, only XXXX bucks but I cant use the card for travel as expected and now I cant contact a human or an email. This is ridiculous and wrong for a company to do to XXXX older Americans just trying to get by.
Consumer complaint received 2022-11-17
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. ()

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-12-06
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-03
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have 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.

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 alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

A qualified written request was submitted to the lender on  XXXX / XXXX /  XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am filing a complaint with capital one because I was treated very unfairly by them and my account was closed against my will without a proper reasoning. I also experienced XXXX and was called a XXXX and hung up on by one of the senior account managers who seemed to not want to be dealing with my concern. 

I was sick in hospital with XXXX XXXXXXXX to an apartment I had just moved in, and it had gotten so bad I was hospitalized for days and I had lost control of my finances and I had my sister taking care of things regarding my credit card checkings savings etc I come back from dealing with insane sickness and XXXX of my UP TO DATE credit cards are closed due to alleged abusive behavior. When I was inquiring about what went on when I was away and who they spoke to because I was not accessing my account I was told they couldnt tell me and that a letter had been mailed to an address in which I dont live at anymore because of how sick I became while living there. 

I am distraught that I have been treated this way by a bank who I once felt truly valued me as a loyal customer. 

I want my checkings and savings account back, I was unfairly exiled from Capital One I feel due to XXXX and because of the state of my health. I was discriminated against and my information was compromised
Consumer complaint received 2023-04-25
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)

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance {$24000.00} DEPT OF ED/XXXX  XXXX  Balance : {$24000.00}
Consumer complaint received 2018-11-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! 

LOAN # XXXX
Consumer complaint received 2023-12-06
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)

Dear TransUnion I see that you verified the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-06
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. (AL)

I am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX. XXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX  XXXX  ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX  XXXX  on the specified dates. These inquiries and the XXXX  XXXX  account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX  XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report. 

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX  XXXX  account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards. 

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at XXXX.
Consumer complaint received 2023-12-06
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. (NJ)

These inquiries 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 protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of the account listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third Multiple Hard Inquiries