davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: WELLS FARGO & COMPANY (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; WF CRD SVC XXXX XXXX OF XXXX XXXX WF CRD SVC XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-08-03
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. (NY)

I am writing to formally dispute the reporting of closed accounts on my credit report. The accounts in question are attached to the complaint and have been negatively impacting my credit history due to several reported late payments. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that under the FCRA, credit bureaus are required to report only accurate and verifiable information. In light of this, I have conducted a thorough review of my credit history and have gathered supporting evidence that demonstrates the inaccuracies in the reporting of this account. 

Firstly, I would like to highlight that the accounts in question have been closed since 2017. As a result, no further activity has occurred since that time, making the reporting of late payments after the closure date highly questionable. 

Additionally, I have diligently maintained timely payments on all my other accounts, clearly demonstrating my responsible financial behavior. This account 's inaccurate reporting is unjustly damaging my creditworthiness, which could have serious implications for my ability to obtain credit in the future. 

I kindly request that you conduct a thorough investigation into the reporting of this account and promptly rectify the inaccuracies. I insist that the account be updated to reflect its closed status and eliminate any references to late payments that occurred after the closure date. 

Furthermore, I would appreciate receiving a written confirmation of the investigation results and any necessary corrections made to my credit report. It is my right under the FCRA to be informed of any actions taken within 30 days of your receipt of this dispute letter.
Consumer complaint received 2023-06-23
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: WELLS FARGO & COMPANY (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARG XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting incorrect addresses on my credit report. XXXX XXXX XXXX are reporting my correct addresses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?
Consumer complaint received 2023-08-03
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXXXXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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. (CA)

This is my XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXX XXXXnquired on XX/XX/ XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (CT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (NJ)

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-06-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (OK)

This debt with Global Lending Services, 3rd party creditor, and original contractor XXXX XXXX XXXX in XXXX, Oklahoma. The original dealership sold my contract without proper disclosure. I had my car seized without proper cause. I tried to remedy and the " creditor '' stated they would contact me within 48 hours. Instead the car was reposted within 48 hours without notice. The tow truck driver pushed me, kicked the car door shut, drove away without allowing me to get personal essentials within the vehicle. Payment remittance was sent to pay any outstanding balances. The " creditor '' said sorry we did not get. I am a XXXX XXXX XXXX and the SOCIAL SECURITY NUMBER was demanded 5 times by phone on XX/XX/2023. My consumer statement supplies information to remedy their violations. {$2000.00} per violation. I am a traveler not a commercial driver. I also requested ARBITRATION under the Arbitration Clause but denied as per contract.
Consumer complaint received 2023-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Home Loan Center, Inc. (PA)

I was trying to get a loan and I got approved for {$5000.00}. The person on the phone said that they had to send me {$2000.00} for a verification so he sent me the {$2000.00} after I gave my banking account then he wanted the {$2000.00} back via XXXX XXXX. The person on the phone try different cash app names and you kept on denying.The cash app didnt work so he wanted gift cards and then cash app, I got the gift cards and sent it to him and then I realize that I was probably getting scammed and I asked to end the it. but I still had {$1000.00} and I dont know how to get back to him. It was under lending tree which I know is a loan company but it seemed iffy and so I stopped.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my business banking account this morning XXXX/XXXX/17 and noticed it was assessed an overdraft fee of {$35.00}. I had {$5.00} in my account and it shows that a transaction for {$6.00} is pending. I called customer service to let them know I will put the money in the account to cover the {$6.00} transaction before it posts as cleared. I also asked them to waive the overdraft fee as a courtesy since the transaction has not yet posted. I spoke to two representatives today XXXX/XXXX/17, neither of which were able to assist me. I asked for a supervisor and was placed on hold by a representative. She came back and said she had a manager on the line, but, he refused to take my call, so she would try again and placed me back on hold. My being Shocked is an understatement. She has since left me on hold. I have been on hold for more than 25 mins as I type this complaint from my smart phone. 

The overdraft fee shows that is has posted and cleared yesterday XXXX/XXXX/17, but the actual transaction is still in the pending status. This means I was assesed a fee before the transaction cleared. I should still have time to put the {$1.00} into my account to cover the {$6.00} transaction without incurring a {$35.00} fee. Total call time is now 45 minutes, and I am still on hold as I type this complaint.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My mortgage was sold to a servicing company approximately 3- 5 years ago, In XXXX of XXXX I was asked to provide proof of homeowners insurance which I did. First I had to prove I had my own HOA insurance and then I had to provide the XXXX 's insurance. Meanwhile the servicer went and purchased insurance on my behalf. I have received letters from the escrow dept saying that I have satisfied their request. 
In spite of this every month My account shows that I still have an escrow balance. I have been unable to make my payments on line for 10 months. I call it in and sometimes they apply it other times they take the payment but leave it unapplied. This results in my accounts showing delinquency and late charges. I have been getting letters stating that I can lose my home ( for being 30 days late when I'm not ) even though I have made the payments As a senior I feel that I am being harassed I am so stressed each month. 


I desperately need help
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

I contacted Ally financial and XXXX XXXX XXXX XXXX and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-09-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Applied for Wayfair card with a credit score of XXXX of XXXX. Made a purchase that could have gotten {$40.00} by using a new card. Waited for the response for approval and it never came. After multiples attempts to find out if the card has been approved, found out on my own that they did not. Gave me some general excuse about " income '' that did not make sense. Wrote them back by email, and was ignored, sent a letter and was again ignored. In the letter I document, other three instances o card being denied and with a checking account in Citi Bank with balances over XXXX at times, XXXX when less to avoid paying bank fees. This when they paid .01 % interest. Citi Bank at the same time denies credit card when I apply for them, offers me a {$30000.00} loan. If I am not a good candidate for a " credit card '' how am I a " good candidate for a XXXX loan? Something is happening and they keep denying credit to me when is a credit card involve even when the card carries a fee. Letter explaining in detail all these attached.
Consumer complaint received 2022-11-29
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. (DE)

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 itemsI '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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$73.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX
Consumer complaint received 2021-10-27
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. (IN)

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Consumer complaint received 2017-03-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.