davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (NY)

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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector Spring Oaks Capital alleging XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with XXXX XXXX. I have no consumer credit transactions with Spring Oaks Capital and did not give Spring Oaks Capital permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX Spring Oaks Capital communicated to CRA 's of alleged debt and it impacted my XXXXedit score in a negative manner.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

This is my 1st complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Good day, Since filling the claim with the your agency brcause I have not gotten any assistance with the XXXX  all I keep getting are response from the bank still trying to hold me accountable eventhough I have sent them documents that clearly shows that the signature on the documents for the vehicle does not match my signature. 

I am guessing that they are trying to force my hand in having to do a police report but I told them I can not do that because my daughter is a single mother and I can not afford to be the one that send her to XXXX  leaving her child. 

I have suggested that the bank take their vehicle because I asked her to return it and she refuse doing so and I am unable to do anything about it since she doesn't live with me and I have no access to the vehicle. 

I suspect that they are refusing to take the vehicle because of the large interest rate they stand to gain from the payment but as I have told them, she will be late on her payments because she's very irresponsible. 

I am unsure how santander gave her a loan because I had helped her take out a vehicle back in XXXX  with them and her payment was always late so she turned the vehicle in behind my back stating that she was unable to make the payments yet santander gave her another loan with the same monthly payment and that just doesn't make sense to me. 

I am begging you to please try to help me, even if you try reaching out to them and talking to them. 

I do not want to be held accountable for a loan I had nothing to do with and has stated this from the moment I saw the loan on my credit report. Your office seems to be my last resort so I am begging you for your assistance. 

I will attach a copy of the loan document with the fradulent signature as well as copy of my ID showing my signature if i am able to do so and you will clearly see that the signature on the document is fradulent.
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: OneMain Finance Corporation (TX)

I have read that One Main Financial is in the middle of a lawsuit for misguiding their customers. 

I had several loans with them and think I could have been a victim without knowing it. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft
Consumer complaint received 2023-03-09
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. (GA)

was told it was be no credit check and no hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX  set XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Consumer complaint received 2017-05-05
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. (GA)

There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late
Consumer complaint received 2024-03-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing this complaint regarding the accounts and information that Equifax is reporting to my consumer report. After going over my report I noticed several accounts that are negatively impacting my credit score in which I have no knowledge of the creditors reporting this debt. Ive then mailed a letter to Equifax asking them to investigate these accounts in which they never gave me a response. I reached out to the creditors and asked them to verify any debt and send me all documentation that authorizes the accounts. I am aware that it is Equifax 's duty to properly investigate my consumer report and remove anything thats not accurate nor verifiable. If theyre reporting these accounts, why cant they be verified with proof of signatures? The creditors listed in my complaint never had the consent to report, which is a violation of my right to privacy. Also, purchasing and selling my personal information without my consent is fraud and violates my right to privacy. No account may report to my consumer report without my consent or validation. In this complaint I have a dispute letter with the inaccurate information that I would like Equifax to investigate and ensure the most accurate information possible is being reported.

Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (TX)

This claim is in reference to the existing claim XXXX on the Consumer Financial Protection Bureau XXXX The response from Equifax does not resolve the issue that I presented and was handled carelessly. The initial investigation regarding the following accounts were requested to be verified which was done by Equifax. Now I am challenging these items due to the inaccurate and discrepancies of the accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX I am trying to legally clean my credit report and Equifax has violated a numerous amount of my rights according to the Federal Credit Act and Consumer Law and has made it extremely hard for me to do so. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. After requesting a numerous amount of times for validation and reinvestigation from XXXX, XXXX and Equifax via mail and phone, my results have came back verbally and through mail that these accounts were verified. This is ground for removal IMMEDIATELY. 

15 U.S. CODE 1681 states my right to removal of inaccurate information.

- 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 an account without my written instructions. 

I have exercised the Consumer Law and if this investigation is not completed properly by EQUIFAX I will take further action. 

In result of the continuous violations and disregard, according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX  per violation and for the accounts to be deleted immediately.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payments : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THE REPORT. 
I AM A VICTI OF IDETITY 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 COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISION 'S IDENTITY AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

The property at issue is currently undeveloped land. Perviously there was a building on the property, but the building needed to be demolished in XX/XX/XXXX. Since the land is currently undeveloped, it does not require typical structural flood insurance. Despite this, Select Portfolio Service , Inc ( SPS ) deducted {$930.00} from the mortgage escrow account for flood insurance. I had cancelled the flood insurance over one year prior with my company, so SPS had contracted with their insurance provider to place coverage on the property. On XX/XX/XXXX I contacted both SPS and the listed insurer to notify them that there is no structure on the property so that flood insurance is not required. SPS contacted me initially on XX/XX/XXXX stating they would have an answer within 30 days, and then again on XX/XX/XXXX stating that they needed an additional 30 days. Since then I have heard nothing from them, and I never received any response from the insurance carrier. I needed to file complaints for a similar issue previously with SPS with hazard insurance. In my opinion, their behavior goes beyond mere negligence, and actually is fraudulent as they intentionally apply insurance to mortgages when not needed in order to receive financial benefit from the insurance carrier for the referral. Unless they are held accountable, I will likely need to continue periodically filing complaints on this issue.
Consumer complaint received 2023-03-02
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. (NE)

I have connected with this company and the bureaus multiple times to have myself removed as an authorized user, and it has not been done by the credit card company or the bureaus. I have requested proof that I am a co-signer on the account and have been told I am not, I am simply an authorized user. Copies of any agreement that list me as a co-signer would be falsified as I did not agree to those terms, and they have stated I am not responsible for the debt. Yet they will not remove me. If I am not responsible, why continue to report on my credit unless with malicious intent. I have disputed with the bureaus no less than 4 times between XXXX. Most recently on XX/XX/2023. It is tearing down my credit and I am not legally responsible for this debt. Not to mention their own terms & conditions state that an authorized user may be terminated or removed simply by saying so in writing. That has been done as recently as XX/XX/2023 and it has not been granted. 

This company has been in litigation before for malicious and unlawful practices and I fear without consequences, they will continue to do so.
Consumer complaint received 2021-12-23
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. (IL)

I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am trying to get a XXXX XXXX. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please remove.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TN)

Over the past several months I have had to continuously call Wells Fargo and get their permission to use my card and/o my account. Until today they have always complied but now they are saying there is nothing wrong with my account or card and it is the merchant 's fault. I do not believe XXXX merchants would have the exact same problem and give the exact same error that states I need to call Wells Fargo. They are refusing to do anything about it or open an investigation into why I can not use my account/card stating it is a security measure and they can not give out that information nor get me in contact with their security team.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC (MS)

I have been paying on my loans for over a year now. Although I refinanced more than once it some as if my loan amount hasn't decreased. My interest rate is XXXX plus percent and seem like I will never be able to pay off this loan. XXXX is being charged on my account bi weekly but still I am not seeing any results of the loan amount decreasing. Major the payment is going towards the interest not the principal. After 2 years of payment it says I only paid XXXX of my loan. The interest rate has also increased over time