davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (VA)

When I went to apply for at the XXXX XXXX XXXX XXXX and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX To Whom it May Concern, Santander Consumer USA has engaged in unethical lending behavior and ultimately debt collection practices. Apparently, Santander Consumer USA purchased my auto loan for my car from XXXX XXXX at some point this summer. I was never made aware of this transfer by mail, phone, or email. Since I purchased the car in XXXX, I have made every payment- every single month- on time via autopay. This equates to roughly 48 payments on time. 

Not only was I not informed of a transfer for my auto loan to Santander Consumer USA ( https : //santanderconsumerusa.com/support/contact ) but Santander Consumer USA did not  appropriately continue my auto-pay at the time of transfer of the loan. They did not inform me of a problem and 90 days later I started receiving debt collection and delinquency calls from Santander. When they first called, I informed them that I did not have any accounts or loans with their firm because I was never made aware. Once I was informed that they held my auto loan, I paid the full outstanding amount {$1900.00} immediately in a one time pay on the XXXX of XXXX for my account number XXXX. 

Santander USA failed on many fronts, however, their unethical behavior has affected my credit score disproportionately and is now impacting my ability to finance my future home. A proper remedy would be a full reversal of their recent actions as well as a written letter stating their egregious mistakes.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (CA)

In accordance with 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  Acct # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

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 a 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.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC. (MA)

During a covid-19 o was laid off I call the company to let them know I wasnt able to make any payment for going hardship situation or national disasters. I spoke to one of the representatives I call a week before I was not be able to make any payment still laid off. Customer service said they will write it in my account and nothing else was told. A month later I got a warning from a XXXX XXXX my late payment and same time my account was closed I call customer service of kayj jewelry and they told me they already closed it and I ask them why when I spoke the last customer service they didnt tell me my account was going to be closed if I didnt make the payment and then few days later account closed. So the account is been closed and they keep Reporting rinsen they account been closed every month hurting my credit score I already spoke to the customer service to see if they could help for me going Trough a hardship financial and no job they did not work with me during my covid -19 disaster. They reporting late payment when I cal a head a time I couldnt make the payment to see they could work with me and nothing has happened. Im reporting them counting reporting in my credit report they just closed this account with late payment when this account has been closed since XXXX.
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (RI)

Backstory My loans were originally held with XXXX and I paid down the majority of those loans during the emergency forbearance period. My account was transferred to Aidvantage in XX/XX/XXXX. The new loan balance with them was {$12000.00}. I paid that off in XX/XX/XXXX. 

XX/XX/XXXX -- Called Aidvantage to request a {$20000.00} refund on my paid in full loans -- Told that the additional {$7500.00} would require a payment history request from XXXX XX/XX/XXXX -- Called in for an update and was quoted 6-8 weeks of processing times -- This appears to be date that my request was officially submitted XX/XX/XXXX -- My loan balance was updated to {$12000.00} on Aidvantage 's website. 
-- I was told that the request for {$7500.00} was re-submitted on XX/XX/XXXX -- I am now being told that my request for the {$7500.00} will take an additional 12-14 weeks Since then, I have been trying to get information on what has been happening. I am constantly getting hung up on by account representatives. When asking for an escalation to a manager the hold times are 1hr+ and results in hang ups before speaking to anybody.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (OH)

I tried to close my checking account with US Bank in XXXX Ohio in XX/XX/XXXX. I emptied my checking account and walked out of the premises. On XX/XX/XXXX my account ( unbeknownst to me ) went into collections with US Bank and was sold in XXXX to XXXX XXXX XXXX. I received a collection notice in XXXX of XXXX from XXXX XXXX XXXX XXXX  for the debt for my account in the amount of {$160.00}. On XX/XX/XXXX I sent a letter acknowledging the debt to XXXX XXXX XXXX XXXX with payment requesting the debt be acknowledged as paid off and the record removed from their database. I received the return receipt from XXXX XXXX XXXX XXXX and have not since seen a complaint on my credit report in regards to the debt. 
On XX/XX/XXXX approximately XXXX EST I received a phone call from XXXX at XXXX XXXX XXXX XXXX stating I had accumulated debt and interest of {$1400.00} for the former US Bank account that was sold off in XXXX. XXXX then stated that XXXX XXXX XXXX had sent letters to previous addresses notifying me of the debt. I requested she send the letter to my current address and she stated that they didn't have to because it costs money and they are only required by law to send two letters. I was then sent a letter of demand via email stating I must notify the office within 24 hours if I choose to dispute or the debt is assumed valid ; furthermore I had to notify the office within 7 days in writing requesting verification. 
If I'm reading this correctly I have 30 days to respond by law, not 7, and certainly not 24 hours.
Consumer complaint received 2022-11-08
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. (NC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I applied for and was approved for a Sams Club master card on XX/XX/2020. When I received the card I also got a letter letting me know the interest rate of 22.9 % reflects my credit score of XXXX. I looked at my score and it was XXXX. I felt why give me a {$4000.00} line with a XXXX score. I called the card and was told that score was reported to them from the reporting agency, XXXX. I called XXXX  and was told they are wrong, the bank does not get your score, and not sure how they come up with this number. I chated with the bank again on XX/XX/2020 and no help reducing the rate. Currently, my score is XXXX. 
If the bank can just make up numbers to give you a high-interest rate, how is this fair to anyone? I work hard to keep a good credit score but  what is the difference if they can just make up numbers. Is this a common practice and ethical?
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.
Consumer complaint received 2023-07-25
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 have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc. (MO)

XX/XX/23 Call from a XXXX, XXXX, asking that I have XXXX call her. 

This occurs everyday, sometimes on Saturday and Sunday. Sometimes 3 and 4 times a day, and can be at anytime of day. I have blocked the number but they still leave a voicemail. 

the number comes back as : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They never give a full name of who they are looking for. I am assuming my brother who lives in XXXX  XXXX. I have not spoken to him in some time and he does not return my calls. 

I am tired of the number of calls and timing. I have no idea what his business is with this company. Nor why they are calling me. I want it stopped.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-25
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-09-30
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. (MA)

I have tried numerous times at least over 50 calls made and multiple escalation tickets since XX/XX/2020 I annoy pull my experian report. I can not get approved for a mortgage because they can not pull my report. I have tried other companies and come up with a no hit error. Experian tells me nothing is wrong. My information is not correct. I have disputed it many times. I was told last Friday my address wasnt on my report so the rep added it and I would be ok. I still can not pull my report.
Consumer complaint received 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC (GA)

On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX Assignee of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XXXX XXXX, 2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle  that was REPOSSESSED MORE THAN 10 YEARS AGO!
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (TN)

XXXX XXXX sent a bill for collection which had already been paid by insurance. I have called them multiple times to no avail. The 3 credit reporting agencies are still reporting the original billed amount ( {$280.00} ) dollars even though I have sent them the XXXX  from the insurance company that included the check # and the date they paid it. They simply will not remove it and state that this isn't sufficient evidence! 

original creditor : XXXX XXXX XXXX I am enclosing 2 screenshots which show the Explanation of Benefits and the amount the insurance company paid and the check number.
Consumer complaint received 2020-09-30
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: EQUIFAX, INC. (NV)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.