davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (TX)

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, has violated my rights. 

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 2018-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (AZ)

My husband and I purchased a used XXXX XXXX XXXX in XX/XX/XXXX after we purchased it we started having a lot of issues with the vehicle in XXXX or XX/XX/XXXX I had pulled the car warrenty for towing I had noticed tbe milage was incorrect so I pulled all the paperwork and when we purchased the vehicle it had almost XXXX miles which I can prove on XX/XX/XXXX we took the car to get an oil change and looked at during that time the milage was recorded at just over XXXX miles on the warranty paperwork the dealership had XXXX and on gap and the contract they had XXXX so we lost over XXXX miles on our warrenty and lost on gap due to the depreciation value of the car, i informed the bank and was told by santander consumer usa that had they known the car had almost XXXX miles that wouldn't have financed it due to lemon laws and the car not being worth the value it was financed for. I did send the documents over to the Arizona Attorney General the dealership knowingly committed fraud to get a loan on a car they could not otherwise sell and get financing for if they did this to us who's to say they haven't done it before. The car company is Az car sales in XXXX az. I would like a full investigation and would like them to pay off our loan that they illegally obtained in order to sell this vehicle.
Consumer complaint received 2022-12-16
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. (TX)

This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to transunion and XXXX. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened a credit card under my name which i never applied for. Wells Fargo charged my account fees for that credit card. Wells Fargo ruined my credit by opening a credit card and opening accounts under my name which were never authorized.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. 
The following inquiries were deleted and reinserted Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Data Reported : XXXX XXXX XXXX XXXX/XXXX/XXXX Adverse Accounts XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$390.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$640.00} XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$730.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$360.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$290.00} I called TransUnion and Transunion gave me a file XXXX XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

. On XX/XX/2016 we spoke to agent XXXX to make requested and future payments to bring account current after a very lengthy dispute. This is my 3RD complaint sending to Nationstar Mortgage for 3 different issues. I find this company negligent and incompetent. My concern is during the phone payment it was clearly understood to use the unapplied funds and additional payment using XXXX checking account. In addition the XXXX and XXXX payment was scheduled during the same phone call. In the past there was a XXXX account use however I made it clearly to not use that account. During the phone transaction the representative ( XXXX ) took the banking information for XXXX and repeated the information however somehow she was negligent and entered the wrong information into the system. The next day we notice a transaction use to the XXXX account and this was not authorized to use this account. Now that account is not in good standing in result of that particular transaction and as of XX/XX/XXXX, the XXXX account has continued to accrue overdraft fees do to this transaction from Nationstar Mortgage. 
On XX/XX/XXXX, we spoke to another representative ( XX/XX/XXXX ) ID # XXXX as quality recorded service. We called in concern of why was this payment applied to the XXXX account. The answer was because she had put the incorrect information in so they just use the account on file. I am totally confused with that. It could have clearly been resolve with a simple phone call to make correction however because of that error my account has been in default for 6 days as of above Date. In addition it was noted that XXXX and XXXX payment was applied to XXXX account I found this extremely odd that the same conversation and the 1st transaction done was incorrectly and the other 2 payments was applied by the requested bank account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-02-01
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. (WI)

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency XXXX has been constantly removing and re-inserting an account from XXXXXXXX XXXX on and off my consumer report. In my previous complaint of the company response from XXXX, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

XXXX, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NAM National Arbitration and Mediation (OR)

I was told today on the phone that an old cell phone bill from 2002 I am going to be sued in XX/XX/XXXX for this debt, I was told the collection agency is n't suing me, its going to be litigated which has no statue of limitations.
Consumer complaint received 2017-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

On  XXXX  2017  I file a complaint against Compa ny SANTANDER CONSUMER USA r egarding the Validation of debt on So call Debt owe to them.. That 's affecting my credit report and my ability to make a big purchase on a Home. I was provided with a Documention that was n't completely accurate with  Information  submitted on my credit report, also the Signatures were obviously not mine misspelled my name.. The point of complaint today was to determine the authenticity of this account from a legal point of view.. On    XXXX  2017     XXXX  Removed this account From the PRIMARY ACCOUNT HOLDERS Credit Report after it was Disputed the sameway as I am today, So if It was Determine by whoever made the decision that this Account was an Error and removed it. Why have n't it been removed from a ll my Credit reports when without the primary account holder there is n't a contract
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initiated a dispute with advanced knowledge ( from the collector ) that the balance was incorrect on my credit report. It says the balance is {$14000.00} when in fact the balance is {$2700.00}. That represents a difference of {$11000.00}! Transunion reported that the collector verified I owed the incorrect amount and no change was made. I visited the collector in person, again, to be told they either do n't report until it 's all paid ( a statement I can prove false ), that they are n't the ones reporting at all ( also a false statement ), and they said they gave Transunion the updated amount on XXXX/XXXX/16 and XXXX/XXXX/16. 

I can not tell who is the dishonest party is here as a dispute I initiated with XXXX also resulted in it being verified with no change. When the collector admits the balance is wrong but that they may or may not report at all, or wo n't report at all until it 's paid even after receiving a dispute from CRA 's, or that they did update it, I 'm stuck having a massive amount of non-existent debt on my reports. Please note, I have sent follow up written demands for re-investigations to Transunion and XXXX along with documentation from the collector proving the balance is {$2700.00}.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

my credit has been combined with my cousins who has the same name as me for some time now. I found out about this when I tried to refinance my home. at this time my credit was not locked and we were able to get thing resolved. I went to purchase a vehicle two months ago and the finance department says my credit is now locked. So now not only is my credit combined with my cousins but it is locked as well. I tried many times and wasted many hours on the phone with transunion. I even went as far as contacting a lawyer, he suggested sending a certified letter to transunion which I did more then 30 days ago I still have not heard anything. Anything you could do to help me would be greatly appreciated. Its frustrating right now because I can not apply for any type of credit at all.
Consumer complaint received 2023-05-19
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. (TX)

Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-10-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is a formal complaint to the CFPB about Transunion 's non-compliance with the provisions of section XXXX. Transunion is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I sent the information over the weekend and the individual from the XXXX Department verified they received it on the XX/XX/XXXX. I have filed a police report and thus complied with the provisions of section XXXX and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (GA)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

15 USC 1681 section 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan late for any purpose.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo XX/XX/2015 took {$16000.00} from my credit line, and put in somewhere? I did not do it as I always pay every credit card in full each month and monitor the account. I had to change all of my account numbers, change all of my autopays, such as water, trash, electric, XXXX, etc, and not one answer as to who transferred that {$16000.00} and to where. It caused me hundreds of hours, on the phone on hold filing complaints, as a working mom, to deal with this and correcting all the autopays, And! I was not going to pay for interest on something I never would have done! OK, that finally got fixed. I moved to Oklahoma because my father died and I still had WF, on XX/XX/XXXX, after moving clear across the country with all of my belongings and not even having a home, they did it again! This time it was even worse, because there are not WF offices in Oklahoma, I again, spent days on the phone trying to fix this situation because it affected all of my credit and debit cards, it was the only bank I was dealing with at the time. It was a nightmare and the most stressful time of my life.
Consumer complaint received 2017-05-10
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. (LA)

XX/XX/XXXX - I submitted a dispute in regards to inaccurate reporting a charge off by  XXXX  in the amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XX/XX/XXXX - Disputed this account with Transunion and   XXXX     XX/XX/XXXX - Received an account summary from   XXXX   for dates  XX/XX/XXXX  thru  XX/XX/XXXX   XX/XX/XXXX -I received  XXXX  investigation results showing account updated  XX/XX/XXXX - I received Transunion investigation results showing that the account was updated  XX/XX/XXXX - I sent another letter  XXXX , Transunion and   XXXX   asking that they send me provide me with viable proof that this debt was mine  XX/XX/XXXX -Recieved the same exact letter from them with the account summary from  XXXX  XX/XX/XXXX - Received letter from Transunion stated the account was still being verified as correct and no validation or proof was sent that this debt belongs to me
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (IL)

I have received my consumer report and noticed Experian is furnishing a Bankruptcy from the US BKPT CT IL XXXX, as stated on my consumer file attached herein. I received a correspondence from the IL Bankruptcy Court ( attached herein ), explaining that they in fact do not report any information to the credit bureaus as stated in the letter. 
Pursuant to 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 instructions of the consumer to whom it relates. 
The law states that you may furnish my consumer report as a permissible purpose in accordance with the written instructions of the consumer to whom it relates, and no other. Did you receive any written instructions from my person, XXXX XXXX?, detailing you to report this account reference # XXXX? You are intentionally furnishing this account unscrupulously without any permissible purpose under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Furthermore, 15 U.S. Code 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Protection of nonpublic personal information I have a right to privacy ( which you are fringing upon ), while you ( Experian ) has an affirmative & continuing obligation to respect the privacy of its customers as it is the policy of the Congress. It is your obligation to abide by the appropriate standards that relates to administrative, technical, and physical safeguards to the rules : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

You are defaming my character by publicizing my information that I did not consent to your company furnishing, which you accessed this record from the PACER database or through the bankruptcy clerk 's office, which you have no right to do so. Since you did not disclose to me that I have the right to opt out of you furnishing my information under 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information, I hereby exercise my rights to privacy and demand you to delete this account off of my file as you are causing me substantial economic hardships to my person, XXXX XXXX.
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have never been related to any account own or authorized to XXXX currently or in the past years, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.