davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NY)

For 6 months in XXXX I took advantage of the deferred payment program chrysler financial offered during XXXXIn the fall of XXXX a woman from Chrysler financial gave me misinformation and told me my account was current even though online the bill showed a large amount due. She told me to make my regular payment and she told me what date to start it on. I paid as per her instructions. Continued making the instructed payment as per Chrysler employee even though the total amount due online was suggesting different amounts. Months later I saw a late payment on my credit report. 

So I filed a case XX/XX/XXXX. XXXX XXXX and XXXX XXXX confirmed on XX/XX/XXXX that the error was Chryslers fault and not mine and they confirmed they would contact all 3 credit bureaus and make sure the late payment was removed. They confirmed the employee gave me inaccurate information and the online billing showing odd amount due was because of the deferred payment program and many people are Chrylser were confused by it. 

XX/XX/XXXX late payment again for the SAME reason. Because deferred payment the amount due shown online was out of XXXX. It would show due {$1200.00} instead of the {$390.00} a month. So I called and the gentlemen told me what to pay and I paid it. 
He told me to pay a certain amount and there would be no late payments. He said again, because of the deferred payment program that the online amount due is not accurate. I did what he instructed and a couple months later I was given another late payment! 

I filed complaint and on XX/XX/XXXX chrysler reviewed the call and manager said recordings did not show that chrysler caller made a mistake. Even though it was exactly the same Mistake twice. I would like to listen to this call I always paid all my bills on time for 30 years. My history shows that. Even with jeep I paid all payments on time before and after this glitch in their accounting. I think the company had never dealt with the deferred payment for covid and their systems got mixed up. I took advantage of the XXXX  6 month deferral Program and that was my right, I shouldnt be penalized for their accounting error. They set a precedent by admitting to the first error so they need to admit to the second error as it was the same.
Consumer complaint received 2022-10-25
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have contacted them on multiple occasions advising this is not my account. I had no need to rent a home at the time they stated it was rented. The person that this belongs to has settled the account and I request this to be removed off my credit report.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Midwest Loan Services, Inc. (NC)

I purchased a condo as a second home/rental in XXXX of XXXX. I purchased through XXXX XXXX  and once the loan was handed off to be serviced by Midwest Loan Services ( MLS ). 

In XXXX and in XXXX I received letters from MLS stating that I needed to provide proof of flood insurance. 

In XXXX and XXXX I asked my agent at XXXXXXXX XXXX XXXX XXXX to assist and help get this resolved. XXXX helped as that info was provided in the loan application process. The insurance policy for the condo HOA was provided by XXXX XXXX XXXX which was then sold to XXXX XXXX in either XXXX or XXXX. 

XXXX  provided the insurance in XXXX and again in XXXX. Both years required numerous letters and efforts to get the issue resolved. Even after this was supplied MULTIPLE times, I continued to get letters form MLS stating that they needed the information. It was clear that MLS is incompetent in connecting my HOA insurance to my Loan. 

In XX/XX/XXXX, I once again received letters from MLS and was asked to send the information to MLS at the following email XXXX. I reached out to XXXX XXXX  to get a coppy of the Certificate of Insurance for the HOA which is fully sufficient. 
On XX/XX/XXXX I sent the policy as well as the contacts at XXXX XXXX to the email so the issue would be resolved. 

I heard nothing more until this last week I received a letter from MLS stating that they were going to have to provide me Insurance at the cost of {$3800.00} which is well above market rates! 
Today ( XX/XX/XXXX ) I called the MLS call center today and the agent I spoke with ( XXXX ) told me there was no record of my insurance on file. I asked her to check the email I sent on XX/XX/XXXX and she stated that she has no access to the email alias but those emails process in 5 days which should have been by XX/XX/XXXX. 
I then escalated to speak to a manager and XXXX came on the call for MLS. I explained my total frustration with their firm and asked her to check the email where the document were sent on XX/XX/XXXX. She stated she has no access to that email. I asked her as a manager, to please escalate to the team who does have access and she was unable to do that. She stated she has no access to anyone inside MLS to check the email. Instead XXXX asked me to fax the document to her at " Fax # XXXX Attention XXXX ''. I have no access to a fax machine so I asked my agents at XXXX and AXXXX XXXX to see if they could do so. XXXX at XXXX XXXX did fax it to XXXX today and I have a copy of the confimration that the fax was recieved. XXXX noted that this is rediculous and I should consider speaking to my lawyer and as well file a complaint with CFPB. 

At the very least, this shows complete incompetence by MLS. Worse yet, this may potentially be a predatory effort to sell overpriced insurance. I am absolutely disgusted with MLS and I would like this matter investigated by CFPB to help get this officially resolved.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NC)

orginally contacted XXXX XXXX XX/XX/XXXX. They requested more information I submitted that and never heard back. I then proceeded to contact them via Chat. The history of reaching out is below. 

- XX/XX/XXXX asked for help to remove the restriction. They responded asking for more info and I provided it. Then they never responded again. 
- Started a chat with XXXX prior to the XXXX ( It doesn't say what day exactly ). She did respond saying she was transferring me to the proper team and should receive a response in 1-2 business days. 
- followed up the XXXX. - no response - followed up the XXXX - no response - filled up XX/XX/XXXX - no response- Started a chat with XXXX on the XXXX- received a response on the XXXX with the exact same response as XXXX. I explained that I received the same response before and never heard back and if we could escalate. - no response - followed up the XXXX - no response - followed up the XXXX - no response- Started a chat with XXXX on the XXXX. responded on the XXXX, This time the response was the same as XXXX 's but stating it will take 3-5 business days. I responded letting them know it has been more than 2.5 weeks and no one has reached out. - no response I don't know what else to do at this point. When I call the support line they say to email and start a chat.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc (MI)

My account is locked with Affrim. I have called my times I have did 2 ID scans. I cant view my bills or make payments. Every time I log in I get a email saying someone is trying to get into my account when its me. I called them many times and spoke to a Supervisor not getting any help. I find it illegal to keep me from viewing my bills and not allowing me to shop. I cant even pay the bill off cause I am locked out.
Consumer complaint received 2023-03-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CO)

1099 is incorrect. Bank withheld over {$400.00} from interest XXXX said it was fir XXXX Income Taxes. 1099 does not report the withholding or even the correct interest. I have been trying to get this corrected since XXXX. 
I vane made NUMEROUS phone calls and even written them a letter - no response. Is the lack of service and the illegal withholding of funds and not reporting the withholding common for MARCUS? 
My next step if you do not get results is to file criminal charges. 
I do have statements and other information to support these complaints.
Consumer complaint received 2023-06-21
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts 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 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 2023-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under federal law , you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach . Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, My personal information was impacted by the Equifax Data Breach. Please BLOCK, DELETE, and REMOVE this item immediately from my consumer report. The company is in violation of 18 U.S. Code 1028A. Thank you!
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., 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
Consumer complaint received 2023-01-23
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. (DE)

My name is 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 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-07
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was asked by the person to send money via XXXX to his landlord for the rent. He promised to return me money within 2 weeks. it happened on XX/XX/2022. As of now I did not get money back. this landlord refused to give me money back, his XXXX  account probably was blocked, the person who asked me also disappeared. his phone was disconnected. so, I was scammed. I requested my bank Chase investigate it, they opened the claim, but refused to send me money back. Please do an investigation. the person I sent money was XXXX XXXX, email XXXX. the person asked me is XXXX.
Consumer complaint received 2023-04-08
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$10000.00}.
Consumer complaint received 2023-01-23
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. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 2022-12-07
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 discovered my info was breached in the XXXX XXXX and XXXX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts. 
Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with XXXX Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.