davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (MD)

MY CAR XXXX XXXX XXXX XXXX XXXX WAS PICKED UP AT MY HOME AT XXXX XXXX XXXX XXXX  XXXX MARYLAND ON XX/XX/XXXX. I NEVER RECEIVED ANY LETTER INFORMING ME ABOUT A REPOSSESSION. I WAS TOTALLY SURPRISED! WHY? BECAUSE, I HAD COMPLAINED TO MR XXXX XXXX THE DIRECTOR AND OTHER STAFF MEMBERS SEVERAL TIMES ABOUT MY PAYMENTS MISSING IN THEIR SYSTEM. FURTHER TO THAT I HAD SUBMITTED A COMPLAIN TO CHRYSLER CAPITAL SEVERAL TIMES ABOUT THE UNPROFESSIONAL MANNER IN WHICH THEY HANDLE MY PAYMENTS. CURRENTLY I WORK IN WASHINGTON DC AND LIVE IN XXXX MARYLAND WHICH IS OVER AN HOUR AWAY. AS A RESULT OF THE REPOSSESSION OF MY CAR I WILL BE UNABLE TO GO TO WORK RIGHT NOW. THEY HAVE ALSO SET A DATE TO SELL MY CAR AS XX/XX/XXXX. KINDLY INTERVENE SO I CAN MAKE PART PAYMENTS TO COLLECT MY CAR, CONTINUE MY JOB AND TRY TO UPDATE MY PAYMENTS. I HAVE ALSO RECENTLY GOT A WEEKEND JOB WITH XXXX XXXX ALL IN A BID TO PAY OFF MY BILLS. I FEEL THAT I HAVE BEEN TREATED UNFAIRLY.
Consumer complaint received 2019-11-22
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. (MO)

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 )  XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX  XXXX  XXXX ( XX/XX/XXXX ) 10 ) XXXX  XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Today I reached out to TransUnion due to me looking over my latest credit report from this particular bureau. The reason being is because I noticed XXXX hard inquiries that I did not authorize. When I was connected to a young man in the dispute department about my concerns. Instead of him asking for more detailed and personal information the customer service rep tries to push me to the idea of calling a company by the name of XXXX XXXX XXXX. The young man states that I should take advantage of the XXXX XXXX XXXX special deal for {$99.00} I could not believe that he was more focused on pushing me to call XXXX XXXX XXXX instead of helping me with the following inquiries that I have no knowledge about - 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2022-12-16
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. (IL)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX NA Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/1988 SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2021-11-14
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. (DC)

Experian is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be removed
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AppFolio, Inc. (MI)

I only owe them XXXX but they trying to make me pay XXXX and because I left my apartment before the lease was over with and I let them keep my direct deposit and now they trying to take me to court because I left early the apartment was so nasty they had spiders and the bathroom floor was so messed up the building is old.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I deposited a written check on XX/XX/XXXX for the amount of {$7500.00} into my personal CapitalOne checking account. This check was a gift from my step mom ( payor ) and she was giving me access to money she has put aside for some time. The check was filled out properly, and had her unique signature on it. I deposited the check via the mobile app and uploaded photos and was told I would not have access to the funds until XXXX. Two days later on XX/XX/XXXX I received an email from CapitalOne saying that my account was restricted until they could verify my recent account activity. I called the CapitalOne customer service number and was transferred to their protection team. At the end of the first conversation after answering multiple of their questions I was told that CapitalOne decided to not do business with me anymore and will send me any money in my account that was 'deemed ' mine. I had a few other conversations with different representatives on the following days on XX/XX/XXXX and XX/XX/XXXX, in one of those conversations they spoke with the remittor of the check and she verified she wrote it, but the CaptialOne representative said that they needed to know that the payor 's bank ( XXXX ) would honor the check. The payor went to a XXXX branch and spoke to a manager and received a typed letter saying how XXXX has lifted restrictions on her account and they would honor any payments if they were deposited again. When I called CapitalOne to inform them that everything was good on XXXX 's end I was told that it didn't matter, what's done is done, and the investigation was still ongoing with my accounts frozen. On XXXX I emailed a scanned version of the letter from XXXX to CapitalOnes direct email. I got denied for a checking account by multiple other banks due to Capital Ones investigation, and I am worried on how I will be viewed on XXXX. CapitalOne never tried to call or reach out to me prior to them closing my account.
Consumer complaint received 2022-05-20
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: PNC Bank N.A. (TX)

BBVA was bought by PNC I paid XXXX every month through auto pay with XXXX to BBVA on the XXXX of each month. Then all the sudden without my notice PNC incorrectly change my account to be Escrowed which I didn't give in consent to do. which this resulted in my normal payment of XXXX to go to over XXXX so the XXXX was short and I was unaware of bc they had an incorrect address on file. I continued to pay theXXXX being unaware and finally was contacted and explained the situation to PNC so they switched it back to XXXX but during the weeks and at least 10 calls they somehow still in correctly reported me 60 days late.?? which is strange because there is no 30 day? 
I have all my statements and documentation that I made every payment on XXXX of every month.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (UT)

I purchased a car on XX/XX/18. At the time of purchase a credit report was run by the car dealership. The loan was approved and I began making payments to Wells Fargo. On XX/XX/18 Wells Fargo ran a 2nd credit report on me thereby creating two hard hits on my credit report for the purchase of one car. 

I called Wells Fargo and asked them to submit in writing the mistake they have made to the credit reporting agencies. They declined and said I would have to go through their disputes process. They further indicated that they had no record of the credit check. I declined indicating to the Wells Fargo manager that I do not have time to fix their messes. I feel they have violated Federal Law, Reg. 1681 and have negligently pulled a credit report without my permission. I would like this situation remedied by Wells Fargo. I've only had the loan a little over a month and they've already cause a negative impact to my credit report.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TX)

To CFPB on XX/XX/2018 I received communication from XXXX XXXX that a company named XXXX XXXX  XXXX had reported to XXXX a debt they said I owe of XXXX That's strange because I never received a notice of any kind requesting payment of this bogus debt. 
FYI : I have had XXXX XXXX and everyone knows this therefore, because this company, Receivables Performance XXXX has violated my Federal rights to be notified of the bogus debt we, my attorneys and I are sending this information to the FTC, FCRA, the Texas Attorney Generals Office as well as filing a major law suit, and be it known, should something happen to me health-wise this company will be charged with XXXX XXXX   XXXX and gross negligence.
Consumer complaint received 2021-11-15
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 was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against XXXX XXXX / XXXX XXXX.
Consumer complaint received 2018-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

My loan is not amortizing according to the schedule provided. I talked to XXXX  about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. 

I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Hello, In XXXX, my XXXX 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called XXXX 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, XXXX 's advised me that they would be " XXXX '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with Equifax and when I received the findings, Equifax concluded that XXXX XXXX was " reporting the information correctly ''. Funnily enough, XXXX 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the Equifax representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

One Main Finacial is not reporting my accounts correctly, I have spoken with them about the matter and it still has not been corrected!!!, This issue is that I have 2 accounts with them, they are reporting both accounts to XXXX, but reporting only 1 account to each of the other credit bureaus XXXX and XXXX. Since this matter I have paid one of the accounts out completely. And one of the accounts has not reported since XXXX of this year causing my credit score to not be as high as it should be.
Consumer complaint received 2021-11-14
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. (TX)

I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to my credit report.
Consumer complaint received 2023-10-05
Product: Credit reporting 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)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
XXXX XXXXXXXX account XXXX XXXXXXXX Reported a high balance of XXXX  which is inaccurate, reported a past due balance of XXXX which is inaccurate, reported XXXX month terms which is inaccurate, reported payment status as collection which is inaccurate, date opened is inaccurate, & date of status is inaccurate. 

Provide me with proof of how that information in verified such as how the debt was verified, how the balance was verified, provide me with a contract with my significant stating that I agreed to pay XXXX XXXX any money. If you fail to provide the requested documentation regarding this dispute within XXXX days you MUST remove account from my credit report immediately or you will be in violation of the FCRA and you will be held liable to me for statutory damages per each violation.
Consumer complaint received 2021-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (TX)

I missed a payment in XXXX due to my mother suddenly passing away from XXXX she was giving months to live but then that changed to weeks & I wasn't aware of my payment status cause I was dealing with my sick mother and when I decided to call fortiva retail to make a payment I was only 33 days late & I explained my situation & every receptionist acts like they don't know what I'm talking about & can't help me out to where I get info to write a Goodwill letter, I've been a good customer with fortiva retail credit & plan on still using them if we can get this issue resolved by the proper department
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (TX)

Experian released my credit report without permissible permission. I HAVE REPEATEDLY complained and REQUESTED A COPY of the permissible permission and was NOT COMPLAINING ABOUT AN INQUIRY. So I am resending copy of complaint AGAIN. 
I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MD)

Diversified Consultants Placed item on my account in reference to XXXX. This account is not mines. Submitted documents to XXXX XXXX department and received no feedback. Requesting total removal from all three credit bureaus.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FRESNO CREDIT BUREAU (WA)

A few months ago I saw looked at my XXXX XXXX credit report. On the report I saw a derogatory entry from XXXX XXXX XXXX/Fresno Credit Bureau, through XXXX for {$1500.00}. There is no identifying information about this " account. '' I have received no letters or phone calls about this from the credit bureau and I do not know what this is about. Are they allowed to just add stuff to a credit report without even contacting the person they are denigrating? My credit score is obviously lowered because of this phantom entry.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Todays date is XX/XX/2019. And I was just billed by Transunion for XXXX . Now I did not sign up for any service whatsoever. I exercised my right according to what they advertised to me to get a free credit report around a month ago it must have been. So I can only assume that they automatically signed me up for monthly credit reporting, which I repeat I DID NOT sign up for, nor do I remember being notified that I WOULD be signed up for any such service. I dont even have enough credit history to have a fico score generated yet. I have found that I am not the only person who has been tricked into something like this, and according to them, the only way to unsubscribe to this service is to wait for absurd amounts of time on hold before I can speak to someone at transunion who will be able to help me with this. While I will be doing this tomorrow, as they are now closed, I am filing this complaint because I see this as a violation of my rights and in all honesty, a theft of my money. As a result of this complaint, I would like transunion to refund me my money. That is my primary motivation for filing this complaint. XXXX , I do not care about, but the principle of letting this go does not sit right with me. Let me know please what else you might require of me.