davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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)

Tuesday XX/XX/2021 XXXX XXXX requested her Transunion personal credit report several days ago. Transunion sent XXXX XXXX her credit report which is dated XX/XX/2021. We received her credit report on Monday XX/XX/2021. We found that the envelope was NOT sealed ( opened XXXX, the envelope was NOT cut, the glue was NOT transferred to the other part of the envelope. Pictures of the envelope will verify what i am stating is true! We then removed the credit report out of the envelope and found page 13-17 separate from pages 1-12. Now, when the credit report is generated, it come all together and in order which means, TransUnion failed to secure the envelope prior to mailing the credit report. Furthermore ; Transunion compromised XXXX XXXX personal information such as full name, address, and date of birth, partial SSN #! Since this occurred, XXXX XXXX personal information is in the possession of another person, shared personal information to strangers that XXXX try to commit fraud with her personal information! Now, envelopes/packages are supposed to be sealed when mailed! Pictures of envelope are available upon request!
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

My credit score on XXXX XXXX and more specifically experian is pulling from the wrong SSN. Experian has the last 4 of my SSN as XXXX not what it actually is XXXX. All of my credit reports are being filed under the wrong SSN. I have tried shooting with XXXX XXXX, experian, and even XXXX XXXX  but they all have provided no help. I have been denied car loans, housing applications and now financial aid for schooling. All because it's not pulling the accurate score. Everything is being filed under the wrong SSN.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (GA)

On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (KS)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt State Collections claim that I owe you. I requested proof that on XX/XX/2024 and XXXX Collections has failed to provide me this requestioned information. 

Also in the letter sent on XX/XX/2024 I mentioned : " Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports ''. 

The company has not stopped the reporting on my credit report and this is a violation of my consumer rights.
Consumer complaint received 2021-06-29
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MS)

I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by XXXX XXXX, XXXX, through a law firm XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with Synchrony Bank back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX XXXX only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.
Consumer complaint received 2021-06-30
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: Self Financial Inc. (NV)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (NC)

Today on this date of Wednesday, XX/XX/2022, I reached out to Associated Credit Service Inc. regarding an account that they are stating that I have with them. After having given them my name and social security number, I was then asked to verify my home address. I gave them my current address as well as all the ( XXXX ) previous addresses that I've lived at. They then stated that none the addresses were the correct address that they have on file in regard to this account. The person handling the call then stated that since we can not verify the address, that there is nothing we can do moving forward. ( Paraphrasing ) I then contacted XXXX in attempt to see what my next steps should be. The rep. expressed that she would update the dispute. I additionally contacted XXXX and the rep. stated that I should contact the Federal Trade Commission to initiate a claim, which upon starting said claim I was redirected here. CFPB Citing the fair credit reporting act, 607. Compliance procedures [ 15 U.S.C. 1681e ] ( 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. 
( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this title.
Consumer complaint received 2021-06-29
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. (GA)

This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

On XX/XX/2023 national credit systems agreed to delete collection from all credit reports and remove account that was on collections since they have now removed this collection and it was found to be not accurate or valid I am wanting a monetary compensation for the damage that has cause me, I have been getting denied for extension of credit due to that collection being on my credit report. Please provide me a monetary compensation of {$1000.00} as per law for damages
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I called the mortgage company in XXXX, XXXX and today. I faxed them in XXXX. My balance has not been updated since XXXX. I disputed it with the credit bureau in XXXX. I am being told it is the error of the credit bureau and the credit bureau blames the mortgage company.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I was charged an incorrect amount for a 4 night hotel stay at XXXX XXXX XXXX XXXX XXXX. I disputed the transaction with Chase Bank and submitted all proof, but they came back and denied my claim. 
In my opinion, the proof I provided them made it very clear that I was charged incorrectly. 
Unfortunately the hotel would not rectify the problem so I was forced to contact my credit card company for assistance with a dispute. 
Chase did not provide an acceptable resolution even when presented with facts that clearly shows I was charged incorrectly.
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

I recently checked my credit report and noticed the initial loan amount being reported on my car loan was significantly less ( XXXX ) than the amount I actually have paid for my vehicle. I began to think that the car dealership or Chrysler Capitol might have overcharged me or committed some type of fraudulence in charging/reporting the price of the vehicle and what I have paid on the vehicle. Also, I recently discovered the XXXX XXXXXXXX XXXX sold to me had been used as a rental vehicle. I was never told this information, and I was lied to about the vehicle.
Consumer complaint received 2017-08-24
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. (NY)

On two separate occasions, I filed a dispute with Equifax to check and validate the information regarding XXXX XXXX. It was indicated that these two items were suppose to be deleted from credit file in XX/XX/XXXX, which coordinates to last activity record. SOL on private loans ends seven years for the date of final activity. These items should have been removed from my credit report in XX/XX/XXXX and violates the FCRA. During this period, Equifax has failed to remove these items. My next step will be to file a civil suit against Equifax in violation of FCRA Regulations. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. 

Credit File : XX/XX/XXXX Confirmation # XXXX Account # - XXXX XXXX XXXX ( 2 Accounts ) The results are : We verified that this item belongs to you.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX ATM {$1000.00} Deposit of {$50.00} 's + XXXX XXXX ATM Malfunction error appeared on screen. Sent a receipt of {$300.00} Deposit. XXXX Sat at the ATM XXXX called ATM phone # explained at XXXX to XXXX XXXX XXXX XXXX XXXX and {$1000.00}. XXXX stated see the ATM with money inside. Claims dept will help you correctly error. XXXX XXXX XXXX dept took information stated ok to leave ATM machine since I called received claims number. 45 days to research. Called XXXX XXXX XXXX stated still researching. Transfer to claims dept XXXX XXXX Tennessee to be transferred to XXXX Arkansas XXXX researching til XX/XX/XXXX but bank will give a temp credit on XX/XX/XXXX. Went inside same branch on XXXX to Deposit money and to speak to the manager XXXX who refused to help me.. He don't have anything to do with outside ATMS call the customer service.Called XXXX XXXX XXXX XXXX- Florida same information that i received day before researching. XXXX XXXX Account alert bank balance {$40.00} more than I had of {$6.00}. Went to login account but was locked to call bank. Called XXXX XXXX said bank decided to close account only saw 2- XXXX XXXX  ( {$40.00} ) that i tried to Deposit on XXXX. Told her its on recorded phone call i Deposit XXXX + XXXX where did XXXX come from? She couldn't answer. Transferred me XXXX Tennessee said by law bank made a decision to close account. I stated so they stole my {$700.00} to close my account. Someone is doing fraud. Its wrong. I need that money. You notice I only had {$6.00} in my account because of missing the {$700.00}. NO ONE CARED. XXXX went to the same branch to collect my few dollars left to be told I had to wait for the money to be mailed. So again you holding my money. Was told to call XXXX to be told same thing closed account no reason. XXXX missed a call from XXXX XXXX claims to be Executive Escalated Dept please call XXXX. Called waited for more than 15minutes only to get transferred from XXXX Florida to XXXX with no information who claim to Transfer me to Escalated dept to get message " OFFICE IS NOW CLOSED PLEASE CALL DURING BUSINESS HOURS. Why close an account 4 days later and keep {$700.00} that dont belong to you. NOT SURE WHAT HAPPENED TO 45 DAY RESEARCH ... Account was not in overdraft status at that time. Good customer. Who made the decision to close the account in such a short notice of researching. What was the real reason the account was closed. Just seem XXXX. I am not the only complaint on this subject ... not sure what action others have taken but I am only wanting my {$700.00}. This has caused me to go into debt all bills delinquent.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

This is the 3 time I have sent a complaint over this fraudulent account from THE XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the XXXX XXXX collection and the credit bureaus that is has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.
Consumer complaint received 2021-06-29
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )