davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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. (DE)

I am not a credit repair agency. I notified this company about an investigation on items that was previously disputed on my account and I haven't received any results back in mail. I have been trying to get these fraudulent items removed. Can you please help me dispute and remove incorrect addresses, inquires, collections, derogatory remarks and any other fraudulent information reported.
Consumer complaint received 2021-01-03
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. (GA)

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, XXXX, and TRANSUNION credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Consumer complaint received 2021-01-03
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: Experian Information Solutions Inc. (GA)

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my EXPERIAN, XXXX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

Santander reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. Santander truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against santander I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have Santander Remove the loan from my report or report it accurately... 

Santander Consumer Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion is claiming the information they have on file is accurate and has been verified. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX BANKRUPTCY I therefore request that you remove immediately this Bankruptcy from my credit report with TransUnion, or provide me with the exact source where you received such information, so I may take appropriate legal action. 


Court Name Docket Number Type Date Filed XXXX XXXX UTAH XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XXXX XXXX UTAH XXXX XXXX  XXXX BANKRUPTCY FILING
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IN)

I initiated a balance transfer using a Discover employee in the amount of {$2400.00}. A few days later I noticed that the same balance transfer ( same amount & company ) had been entered twice. I spoke to 3 different people at different times without a resolution. The first person said just return the money - in process of duing. The second peson said, at least the interest you are paying is less than what i was paying - not true. XXXX XXXX was overpayed by more than {$2500.00}. ( to cover possible interest ) I have no balance! The last person I spoke with was XXXX XXXX who informed me that I made an online transfer the same time the representative made a transfer for me. I tried to explain that while I did attempt to make an online transfer the web site said it was not going through. I then called Discover to help me with the transaction - the person that completed the transaction stated she saw where I was trying to make the transfer and would help me complete the process. 

On XX/XX/2020 two payments of {$2400.00} were made to XXXX XXXX. I only authorized one payment. 

I am being charged interest on money I did not want or authorize. My credit score is being negatively affected by the percentage of debt to ratio. Prior to this my debt usage was 16 % and no individual card was above 30 %. The balance transfer I requested would keep my debt/ration with Discover at 30 % after my first payment.

Discover recently denied me a Discover it card based on " % of balance to high credit on banking revolving or all revolving acct '' when my debt ration was in fact 16 %. My credit score was reported as XXXX when in fact it is XXXX - XXXX. " length of time accounts have been established '' 31 yrs for XXXX, 2 mortagages - not being reported since being sold off. " lack of recent installment loan information '' - no installment loans at time of application. Car paid in full. I did have a serious delinquency on 1 account after being unemployed for over a year. - that account is current and now paid in full.

Based on how easily Discover denied me credit - they are absolutely hurting my credit now and preventing me from opening a new credit card. Because of this transfer my reported balance is {$5700.00} / {$9000.00} limit much higher than it should be. 
It should be $ XXXX/ {$9000.00} and after my first payment of {$400.00} would be at 30 % - never being above 30 % This error is causing me to incur interest on money that I did not authorize. 
I am in the process of refinancing 2 homes and I really hope this does not create a problem for me.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I have recently in the past year Ive been working on my credit as of XX/XX/2020 I requested all of my fraud alerts to be removed from my credit report every credit agency removed my fraud alert except Experian!!!!! I have tried to contact multiple times through mail and phone and nobody will respond to me this fraud alert is affecting my account And every day life when it comes to my credit theyre also not reporting my new number or my new addresses Which is causing problems for me because when I go to apply for some thing my information is an updated for them to verify who I am ..
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Someone fraudulently opened a Bank of America credit card in my name. It was sent to my home address and I also received a text message, which means they have my phone # too. I want the credit inquiries removed from my XXXX XXXX XXXX credit reports. I have called them already. Luckily the card got sent to me so I was able to call Bank of America and have it cancelled. But it's extremely concerning someone opened this card in my name and Bank of America obviously didn't ask for any ID.
Consumer complaint received 2021-09-09
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. (TX)

To Whom It May Concern, I recently challenged the validity of XXXX XXXX XXXX account # XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information as being reported accurate. I noticed as a result of challenging this account with Experian they continue to update the account and not point out whats being updated. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. Please send an updated copy of the credit report to my address listed on the letter. Please also provide the names of the individuals whom are verifying the accounts. 

Kind regards
Consumer complaint received 2021-01-03
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. (GA)

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called XXXX XXXX XXXX XXXX They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. Transunion, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2021-09-05
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. (TX)

EXPERIAN, XXXX, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IN)

For months I have been receiving billing statements for a Westlake Services , LLC ( dba Westlake Financial ) account with the name XXXX XXXX XXXX attached to it. These statements have been sent to my email address in error. For some reason my email has been attached to this person 's name. 

I have tried contacting customer service repeatedly. The best they could do was provide a customer service email to request that my email address be removed. I have communicated the issue in phone conversations and emails. I have blocked the address they send the financial statements from. To no avail, I still receive these billing statements from Westlake Services , LLC ( dba Westlake Financial ). I am not nor ever have been related to or known a XXXX XXXX XXXX. 

I am writing this complaint to protect my identity from theft. If there was a breach of information, my email would be connected to this person. I consider the constant emails harassment as Westlake Services , LLC ( dba Westlake Financial ) does not and will never have my business.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I been a victim of identity theft since 2008 my information got leaked out through XXXX College in XXXX XXXX XXXX XXXX scandal all the way to now plus the credit company which is u guys got hacked and my information was leaked equifax all my information was stolen then Im tired of going through the pain and suffering due to the action s of those who is supposed to have protected me especially when u r affiliated with the government I AM NOT A CRIMINAL I AM A VICTIM AND ITS TIME FOR SOMEONE TO PAY ME BACK FOR THIS PAIN I HAVE ENDURED FOR TO AMN LONG
Consumer complaint received 2021-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I could not access my online banking. I followed Wells Fargo online prompts to identify me. Their site required me to enter my entire social security number. I was pensive, but complied. On the next screen their site required me to enter my ENTIRE ATM card number. I was VERY pensive, but complied. On the next screen their site asked for my ATM PIN number. I did NOT comply. This is ridiculous ... any hacker would have EVERYTHING they needed to hack into my accounts! I called the Wells Fargo number on the back of my ATM card. A gentleman there transferred me to an automated system which required me to repeat my voice is my password, please verify me. I had used this system in the past, and it worked. This time, the system asked me to repeat it again & then asked me for my account number or ATM number which I didnt have with me. I pressed 0 and got a woman on the line that wanted me to start all over again. At this point, I still havent been able to get into my account and I was irritated that she couldnt just put me back into the que to reset my password without another hour on the phone. Their system breaches my rights to my information being kept secure.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MI)

On XX/XX/2019 I was notified by XXXX XXXX that a collection agency named Diversified Consultants had place an account for collections on all three of my credit reports. I checked all three and verified this. The original creditor is XXXX XXXX I contacted them also on XX/XX/2019. They claim I do not have an outstanding balance. I was never notified of this debt until it was placed in collections. I have been at my residence for 6 plus years and have never received a notice in the mail concerning this debt. I have had my identity stolen in the past and Im concerned this is a result of that.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MN)

The home was listed with a realtor on XX/XX/XXXX. The mortgage company was made aware of the listing and it was turn-key ready to go. There was an offer by XX/XX/XXXX, but the mortgage took longer than the 30-day purchase agreement to reply, answer the realtor about the sale. The buyer backed out of the sale. Then Covid slowed all possible buyers and things slowed way down. Second buyer XXXX XX/XX/XXXX, short sale process, it honestly took until late XXXX to get a sale closing date of XX/XX/XXXX. I was so ready to be done, I wasn't going to walk away with a pocket of money but I would have just walked away. I stopped making payments in XXXX of XXXX the mortgage company was fine with that as long as the plan was to sell the property. I have been living with my daughter and her family since XX/XX/XXXX and sole property caretaker of the " listed home '', tending the lawns, shoveling and general upkeep of the home and utilities being paid on time, and checking every day as this home is in MN. As I write this it's -4 with a feels like even colder. So, I'm worried about the water pipes and the furnace failing. Then, something else happened just before the closing date, the buyers lost their jobs and financing. NO sale happened. The realtor had stopped showings and restarted again square one. She honestly has worked super hard on this sale and tried multiple things and every time the mortgage company withholds information that is needed to make the sale. Then, on XX/XX/XXXX, she sent me a document stating that the buyer backed out of the sale entirely because they can not secure financing because they haven't been able to secure a job anywhere because of Covid-19. The same day the mortgage notified me that the home is being foreclosed on because of nonpayment. Is there anything that I can do? I'm XXXX and I'm not ever going to be able to fix my credit to be able to buy another smaller home for myself to retire in. I've spent 25 years of my life trying to keep my home beautiful and kept. To lose it like me is devasting to me. I've been helping my daughter with the bills and trying to keep this house kept. Do you have any help for me? Please help me to save my credit and dignity.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Consumer complaint received 2021-01-03
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: Experian Information Solutions Inc. (KS)

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX These inquires where not made by myself! They are fraud!
Consumer complaint received 2021-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 I received an inquiry from Capital One which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest capital one bank. 

I also got 2 inquiries on the same week from XXXX XXXX. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.