davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Synovus Bank (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American XXXX on The Rights of Indigenous Peoples!
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC. (MA)

On XX/XX/22 I opened a fraudulent transactions claim with Santander by calling their personal accounts customer service at XXXX for 2 fraudulent transactions on my Santander credit card : XXXX {$2.00} XXXX {$17.00} I informed the phone operator that I did a XXXX search on the transaction description : " XXXX XXXX XXXXXXXX '' and the search returned 2+pages of results flagging this as a known credit card scam, and that I was surprised Santander would let these charges through to begin with. I also requested that my credit card account be closed because this has happened before and I don't think Santander takes credit card security as seriously as other credit card companies. 

On XX/XX/22 I received a letter in the mail from Santander informing me that they had closed the investigation on the XX/XX/22 {$17.00} charge because no billing error had occurred, because documentation from the vendor proved I had authorized the charges. Additionally the letter stated I should contact the vendor directly for further details. It did not mention the XX/XX/22 {$2.00} charge. 

On XX/XX/22 I checked online banking and found that Santander had returned the {$17.00} charge to my statement. I called XXXX and spoke with XXXX in Disputes. I asked him how I could contact the vendor when 2+ pages of XXXX results indicated that this was a know credit card scam. Unbelievably, XXXX told me " you are providing new evidence that this was indeed a fraudulent charge by your XXXX search, so can you take a screenshot of your XXXX search and email it to us and I will open a new fraudulent transaction dispute. '' I told him that when I opened the fraud case I had mentioned this to the operator, to which XXXX said " a note was not made on the case with that information. '' At this point I wished him a good day and hung up. I would like to know what exactly Santander 's " fraud investigation '' consists of if not a basic XXXX search or a list of know credit card scams which I would assume they have. 

Thanks for your help with this as I did not know who else to contact.
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXX  XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX
Consumer complaint received 2023-05-23
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: Onity Group Inc. (CA)

I have traveled to XXXX on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in XXXX for three months as a XXXX ) on XXXX only. 

I opened my XXXX and noticed that somebody took my SSN and opened {$710000.00} mortgage at PHH MORTGAGE SERVICES on my name. 

I disputed it twice via XXXX but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a refugee on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX, though I have only been a little late once in XXXX of XXXX, since obtaining the loan in XXXX of XXXX, illegally reports to the credit bureau on the XXXX or XXXX day instead of on the XXXX day, which is required per the Fair Credit Reporting Act. Please address this issue and ensure that my credit report is reflecting correctly. I have attempted to clear this up with the credit reporting agencies. After calling XXXX XXXX XXXX, at XXXX  point, they stated that payments were due by the XXXX ( grace period ), as my payments are due on the XXXX, but they reported well before the 30 day mark.
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (IL)

This account was closed ( Account # XXXX ) by this company more than 30 days ago and I have not received my payout. I have tried contacting by phone several times and it prompts an automated message then disconnects. I have also submitted two contact inquiries for support and no one ever responds at all. Where is my money?!?!
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (WI)

When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.
Consumer complaint received 2024-03-26
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. (TX)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

No accurate reporting in XXXX : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX XXXX 2. Under XXXX XXXX XXXX Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in TRANSUNION : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

USDA XXXX XXXX XXXX XXXX XXXX mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXX of XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our XXXX XXXX. XXXX contact person is : XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXX of XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, TransUnion, XXXX, XXXX, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Dealer Services repossessed a car from me I contact them to dispute the item off my credit report and they never got back with me. This was a illegal repossession I never received any documents from them after they repossession the car like ( where it was sold, for I can buy it back, how much they got for the car or a letter letting me know it was up for repossession ) the dispute letter listed below ask them to provide proof and all the documentation that this repo was legal