davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
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. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX, XX/XX/2022. I was looking for the XXXX XXXX and found one  on XXXX So I contact the scammer via phone message. He induced me to click the link that connected to TransUnion. The scammer said he need a credit score before I schedule a tour for the house. It was suspicious since I had to put my credit card number when I get the credit score. However, He said that I need to pay only XXXX XXXX and it's refundable. It turned out I signed up for the credit monitoring service and already made a payment of {$25.00}, which is not refundable. So I immediately canceled the subscription. I hope there is no other victim from this guy. I'm writing down the email address and Phone number of the scammer. These contacts were probably created in an anonymous way tho. 

Email : XXXX Phone : XXXX
Consumer complaint received 2019-11-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/2017 i cosign on a car loan. which was approved but when doing the terms on the contract what they did was include the borrowers bad credit score when they made up the terms. just recently i found out that they were charging in interest fees. they new that by including borrowers bad score that it would bring interest rate sky high. had they just used my score which was in the 700 's this would not be happening. in thinking back i remember the forms i recieved but do not remember recieving the terms to the contract especially with that high interest. i would not have excepted those terms. i contacted them on the XX/XX/XXXX to ask why was the interest so high and thats when i found out that they included borrowers score as well. i ask for the contract to be sent. on the XXXX i ask again for the contract, still have not recieved it and on XX/XX/XXXX i called again. so im having problems getting the contract. in speaking to the rep at santander she inform me that they did not make up the terms of the contract that it is done by the dealership, they just do the financing, so she is blaming the dealership for this. 1/2 the payment is going to interest. i truly believe borrowers did not understand what he was doing. the financing co. is santander consumer usa in XXXX texes. but now after what i was told by the rep, i dont know who is responsible for this action. i dont believe it was the dealership but that it was santander because they are the people eho do the finanacing. the dealership is XXXX XXXX XXXX in XXXX az on XXXX. i contacted XXXX XX/XX/XXXX through email. cant get the contract so i have no other information. one thing i certain is that i did not recieved the contract.
Consumer complaint received 2022-05-23
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. (FL)

I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted capital one - I received a Capital One debit card for a checking account I did not open. The debit card has my name on it and the card number is XXXX exp XX/XX/26. I contacted Capital One about this FRAUD and they stated they could not take any action. I wanted this account closed that is in my name that I did not open and Capital One refused to close it!!!!!!
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION ()

DATES : XX/XX/2018 SUNTRUST : CHECKING ACCOUNT FRAUD PERSON THAT COMMITTED FRAUD IN THE INCREMENTS WERE OVER {$1000.00}. PERSON NAME ON XXXX WAS XXXX XXXX SOMETHING OVER SOCIAL MEDIA. XXXX.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stratus Financial LLC (NV)

I applied for a loan to pay for flight school back on XX/XX/2022. 

The creditor notified me that my credit profile was locked and asked me to unlock it. I unlocked the report for them. They called again stating it was still locked and requested a co signer. I added my mother in law to the application. 

It's not XX/XX/2022 and I received an email stating that my loan was conditionally approved. 

I called and asked the loan officer XXXX XXXX if they were able to run my credit and he stated yes, and that I would no monger need the co borrower since they accessed my report and I have a good score ( XXXX as of today ). 

I called back this afternoon to ask what the terms were and the lady stated that they would need an ID, social and Application for XXXX XXXX, my father in law. 

The wired thing about this : I never added him to my application, I added my mother in law ( his wife ) XXXX XXXX. I believe this company researched my mother in law, and her address and found out that XXXX owns the house. Once they figured that out they then proceeded to participate in predatory lending, by asking me to have him added. 


Again, I NEVER added XXXX to my application, and I never even mentioned his name. XXXX would never co sign a loan for me. 

Please help me investigate this issue and this company for unfair practices and predatory lending tactics. 


I submitted an email requesting the withdrawal of my application and destruction of all documentation related to the application. 


Thank you, XXXX XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (ID)

This complaint is about OneMain Financial ( OMF ) for a presumed violation of the Fair Debt Collection Practices Act ( FDCPA ). There are XXXX stretches of time where they contacted me more than XXXX times in XXXX  days since XX/XX/XXXX. They call me at my cell phone number from their office telephone number. I do make payments to them late but always have and always will catch up. 

While OMF is a financial services company and the original company with whom I owe this debt, the emails they send me and their own website clearly state, " This is an attempt to collect a debt and any information obtained will be used for that purpose, '' hence I identify them as debt XXXX in this scenario. 

The dates and times of the calls are XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in 7 days. This presumed violation also occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days. Additionally, this presumed violation occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX  days.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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: JPMORGAN CHASE & CO. (IN)

Someone has hacked into my email, they have hacked into my accounts, used my cards for their own purchases, and now I have tried to open up a chase card and my name. I was laying in bed and received a hard inquiry on my credit report coming across my phone. I am in bed and have not applied for a Chase credit card whatsoever. I have contacted my credit card companies and had to report fraud and had to replace my identity at the XXXX. I need to take it on my credit report immediately this is unfair.
Consumer complaint received 2022-05-23
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: Global Lending Services LLC (TX)

XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.
Consumer complaint received 2022-05-23
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a fraudster by the name XXXX XXXX XXXX opened 2 accounts on my Wells Fargo checking account. He changed email notifications as well as changing address and my phone number associated with my account. So I wasnt made aware until after I made a deposit to one of the fraudulent accounts because he had made that one the primary account. And I noticed that email was not mine when I requested the transaction receipt to send to my email. I went into Wells Fargo spoke with a banker but was unable to help since I wasnt able to verify myself because of no proper form of ID. I had to wait another month until I received my new passport at that time it was late. I went in to Wells Fargo only to find out that XXXX $ was gone and left me with nothing but a debt of XXXX $ Ive spoken with the bank but its been over 2 months now and I still havent gotten my money back. I am at ropes end. Because of this my credit score has gone down and I havent been able to make new deposits in fear that money might go missing as well. I need to make payments to credit cards I have and I dont know how since this account was used primarily to pay my cards.
Consumer complaint received 2022-05-23
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: WELLS FARGO & COMPANY (CA)

I reached out to Wells Fargo claim assistance center to take a look at these transactions and refund my money as I did not authorize any of these charges made under my name through XXXX with the merchant called XXXX. They says its been so long and wont be able to help I need my money back. Following are all the charges made under my account through payment with my credit and debit card. 

All the amounts are in dollar 
Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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: AMERICAN HONDA FINANCE CORP (VA)

In accordance with the fair credit reporting act XXXX account has violated my rights America Honda Finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( To have all late/missed payments be removed from all of the account above in order for my credit history to get back to what it used to be ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it a ; so states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

We found out in early XXXX that the company that we have our mortgage with, LoanCare, did not pay our homeowners insurance premium out of escrow for the 2022 year. We immediately contacted the insurance company on or about XX/XX/XXXX, XXXX XXXX, about whether or not they had received any escrow payments for the insurance. They notified us that they had reached out to LoanCare on multiple occasions over XXXX about the lack of payment and they said they never received payment or correspondence from LoanCare. We then asked XXXX XXXX for a new quote for insurance for XXXX and asked them to send that over for request of payment for the new homeowners insurance. LoanCare then paid XXXX XXXX XXXX for this new quote. We then received a letter on XX/XX/XXXX from LoanCare stating that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that they were planning on charging us an additional {$3600.00} for this time period. The lapse of coverage was due to their negligence and the amount is about {$1000.00} more than what we had arranged with XXXX insurance for that time period that they neglected to pay them from escrow ( as requested by XXXX XXXX multiple times with no correspondence back from them ). We contacted them to discuss this issue, the lady that answered was extremely argumentative initially and then stated that " oh wait I see that you submitted documents covering the dates needed, call back next week and it should be resolved ''. Today, we received an email from the company after business hours that they had dispersed {$3600.00} from our escrow account and does not show to whom it was dispersed.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

The original debt was with XXXX XXXX ( XXXX XXXX XXXX XXXX  and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to Midland credit, it was charged off XXXX and sold on XX/XX/XXXX to midland credit XXXX
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time.
Consumer complaint received 2022-10-14
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. (GA)

There is a collection from XXXX on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for XXXX was XX/XX/XXXX but how? Date of last activity for Experian says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (LA)

The dealership told me that if I stayed in good standers for a year that I could come back and upgrade my truck to something better that I really wanted so I did and the dealership said that I couldnt upgrade so I called Chrysler capital to refinance my loan and they said they dont refinance their own loans and to me all that was a slap in the face!!!!!