davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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)

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$0.00} Closed
Consumer complaint received 2023-02-14
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander not only took advantage of me with their predatory tactics. But also with their not for public view internal XXXX XXXX. They are blatantly re aging the debt its been close to 8 years now. Santander also received a check from the insurance company AND sold the product at auction which Santander never sent me a 1099c for for the amount that it was sold at auction. In the eyes of the IRS that money is considered earned income to the person that signed the contract. A 1099c was never issued which makes me believe that Santander never paid taxes on that money. Not only did the drivers insurance company give Santander {$7000.00}, but it was also sold at auction by Santander on top of the money that was already paid in payments which turns out that only 1-2 $ of every monthly payment was going towards the principal!!! 1-2 $ /month going to principal, if thats not predatory lending, scamming and stealing I dont know what is. This account is also being reported on my account as an auto loan when the contract signed it states retail installment sale or credit sale NOT auto loan. In one document it states the highest amount owed is {$15000.00} plus dollars than on the credit reports it states highest balance {$13000.00} plus. Ask Santander to show u proof they filed 1099c for the amount gained from the auction. Santander has continued to commit the Most blatantly purposeful violations since the starting of the CFPB and after the millions in settlements Santander had to pay they still have not learned their lesson.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-01
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-27
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. (CO)

On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my XXXX report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted XXXX and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.
Consumer complaint received 2023-01-01
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. (TX)

These Inquiry were made without my authorization I believe I was a victim of Identity Thief. The inquiries are : XXXX - XX/XX/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
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

I moved out of my apartment that I lived in for XXXX XXXX  always paid rent on time and in full. 
After I moved out I checked the dashboard on their website and noticed that it me owing {$830.00} I called the manager at XXXX XXXX XXXX XXXX to verify thats going on and told it was a mistake and that the accountant would correct it. XXXX XXXX  latter I get a letter from a collections agency for the amount. I do not owe this money or was notified that I owe this debt. And in fact they owe me my deposit.
Consumer complaint received 2023-01-01
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. (CA)

EQUIFAX, I did not authorize the following companies to run my credit in XX/XX/2022. I have requested the inquiries items be removed from my credit. Please have the following inquires removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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. (UT)

XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XXXX Bank was sold to XXXX. I own a small business, and had a business account I kept a small amount in for emergencies - never more than XXXX When they switched over they " automatically switched my account to something comparable. '' This new account had a minimum of $ 10K or you were charged a service fee. I was charged XXXX  dollars which was automatically deducted from my account. I do not recall any correspondence regarding this switch or it's consequences. It took me a while to notice the deductions- so I began to try to see a banker to find out why this was happening, and that was very, very difficult. I called, stopped by, left messages, and made at least 5 attempts to get help in person, but some branches did not have bankers, others had no one available, sometimes it was a 45 minute wait which I was unable to do. I finally called their 800 number and someone changed over my account and refunded XXXX, but refused to refund the entire amount.
Consumer complaint received 2023-01-02
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. (AR)

XXXX XXXX XXXX  XXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrongXXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Good afternoon I had a car loan with Ally Financial for a XXXX XXXX with XXXX XXXX. 
I refinanced this loan and now I have the loan with XXXX XXXX XXXX. 
The current lender sent an overage when paying the loan of {$110.00} I got the check from Ally after many requests ( check number XXXX ) and I deposited into a savings account of the new lien holder and they returned the check ( I deposited through the mobile app ) after the check was returned, I called XXXX to see what happened and they told me to try depositing it again and I did into my XXXX checking account and it was returned as well. It 's very disturbing that a multibillion company is giving bad check to the costumers. I never made a late payment and I complied with the contract to the letter I also called them and they told me to expect an answer in 6 business days
Consumer complaint received 2023-01-02
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. (AL)

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 2023-01-02
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. (AL)

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 2021-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank insists that my loan is several payments behind. It is not. I have submitted copies of payment receipts. They do not respond to correspondence from me or my attorney. Their personnel at the local office claim they can not access the loan information. Huntington keeps adding unjustified " late fees '' and " property inspection fees '' each month to the loan. Now they are refusing my monthly payments, saying that the payment is insufficient to bring the loan current. That is false. Please see attached correspondence. Note that we have not received ANY reply to these.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS (AL)

Notice of Intent Lexis Nexis a XXXX XXXX XXXX XXXX XXXX, obtain consumers personal information resells and furnishes information to consumer reporting agencies. Please be advised, The clerks office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. 
All filings with the court are a matter of public record available through the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXX In my case, Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Consumer complaint received 2023-01-02
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 
The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX