davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

I have came across a few accounts that has not been done by myself nor have I consented to these negative accounts currently on my credit history. I am not sure how these accounts were falsely done in my name with my personal information and I would like them removed as soon as possible.
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: Security Credit Services, LLC (IL)

This company is reporting inaccurate and fraudulent information on my credit report and refuses to verify the account. I have sent multiple letters to this Company requesting documentation bearing my signature, they have failed to do so twice. They claim I owe close to {$2000.00} to their company, but fail to provide proof of my authorization of this account. They are violating federal laws, and should've removed this account from my report months ago.
Consumer complaint received 2020-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corporation continues to call and harass me about a debt that they have been paid off on through there insurance company plus they are reporting the loan opening dates different with 2 out of 3 of the credit reporting bureaus. Which is a violation of my credit consumer rights in which everything has to be accurate when reporting a debt. An they sent me a copy of a contract that was signed with computer generated signatures that I have never signed even my signature was a fake.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am personally filing this complaint regarding late payments on my credit record. During a review of my credit file, I identified these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm requesting your help to address this situation.
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My chase checking account ending in XXXX, was compromised and a fraudulent check was deposited in my name causing me to end up in early warning services. I've sent out a dispute letter to the agency regarding the issue and nothing was resolved. I also filed an identity theft form as this is a serious issue that needs to be fixed asap.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal HISTORY : XXXX XX/XX/2015 {$260.00} USD PAID FROM BUYER XXXX XXXX. 

PAYPAL TRANSACTION ID : XXXX XXXX XX/XX/2015 AVAILABLE FUNDS. 

Paypal stole my money {$260.00} US dollars. Paypal also stole that same money from the state of California under the law : " Unclaim Property Law. '' That is to say, Paypal did not send that money to the state of California and I am contacting the California Prosecutor to punish for that Paypal theft.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A closeout check in amount of {$4200.00} was never received from Capital One 360 checking account which was closed out in XXXX of 2018. A Capital One rep placed a stop payment on initial check, sent replacement check while I was on vacation, check never received. It appears check was intercepted by another party, not received to date.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I contacted Nelnet about my loan. My credit report ( XXXX and XXXX ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. Nelnet advice me that the Suppression on my account would be lifted in mid-XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from Nelnet was reported incorrectly. 

I contacted Nelnet again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a Nelnet representative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. 

I contacted the Department of Education about my account with Nelnet being in Suppression. I was told there must be a misunderstanding on Nelnet part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXXXXXX XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to Nelnet. Nelnet reported on my credit report : XXXX and XXXX state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, Iona was transferred from Nelnet to XXXX. XXXX reported on my credit report : XXXX, XXXX, XXXX Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I logged into the Nelnet account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.
Consumer complaint received 2020-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (GA)

I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

I pulled my credit report and noticed that a collection account from Zions Debt holdings and Im am not aware of the debt or have any knowledge of it. This company is also not bonded or insured to collect debt in my state of Florida.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

I was due a refund of {$94.00} from my XXXX credit card. XXXX said they sent it to Comenity bank, who services the card, but it never showed up on my account. XXXX said they never received the refund. XXXX and XXXX refuse to speak to each other, or give me details regarding the refund so this can be resolved. XXXX  finally sent me a refund check after 6 months and dozens of phone calls. However, after I cashed the refund check, XXXX put a charge on my XXXX credit card account for the same amount stating " refund '', but it's a charge, so it zeros out the check amount they sent me, so I still have not received a refund. At this point, neither company can tell me how to resolve this, who I can contact, or what I can do. They are both shrugging their shoulders saying it's each other 's fault and neither will help me and I'm still out my money. I've attached a document called " XXXX XXXX and XXXX  complaint '' that has the exact dates, phone calls, and other details. I've also attached a copy of my XXXX credit card statement showing the original charge and no refund, and the further charge of a " refund '' that XXXX  made to my account after I cashed their refund check. I've attached a copy of the check I cashed from XXXX that plainly says " Refund Check '' that I cashed in good faith. I've also attached a copy of my XXXX credit card with account information. My contact information and XXXX account info is at the bottom of the detailed complain letter I have attached.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (KY)

I received a check from Wells Fargo today. It is a check that " represents the difference between the full amount of the refund owed under your GAP contract and the GAP Refund you received previously ''. 

The problem is, I NEVER received the first refund. When I called Wells Fargo today, the representative told me the Wells Fargo did not handle the first distribution and he did not know which bank did. He was not able to help me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, Transunion, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on TU and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and Transunion inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (OK)

This has been an ongoing problem for months. Just XXXX alone it happened 5 times ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). I am unable to use XXXX which M & T bank themselves encourages rather than traditional transfers without my transaction being flagged and blocked by their security. I call them everytime and they end up having to override it. On XX/XX/XXXX I was told they are unable to override it. I informed them that I am closing my accounts with them. I do not work XXXX XXXX XXXX so they can hold my money hostage.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX XXXX reported derogatory information on my credit report to the following bureaus : XXXX, Equifax, and XXXX The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, XXXX allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. XXXX reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from XXXX and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. XXXX never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that XXXX has the consumer 's best interest at heart and, that her secret-clearance will not be severed by XXXX 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.