davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a false fraudulent inquiry on my credit report from XXXX XXXX XXXX ( Bank ) placed on XX/XX/2021. I never contacted or filed anything with them.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the Fair Credit Reporting ACT XXXX Account XXXX XXXX XXXX XXXX  has ben 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 WRIITEN INSTRUCTIONS.
Consumer complaint received 2022-05-25
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

XXXX XXXX responded to my prior complaint, case XXXX, at the start of XXXX ( having maxed out the 60-day response window with CFPB ) resulting in the complaint being closed. However, they have not resolved the recasting of my loan whatsoever, despite being in receipt of all requested notarized documents timely. The referenced Single Point of Contact chooses not to respond to requests on when this will be completed. All my recent emails go unanswered by him and his superior selectively responds to some messages without any basic customer service etiquette nor evidencing any concrete progress. 
This matter of recasting, delayed due to errors by XXXX XXXX disclosed in the response letter to my initial complaint, continues to be outstanding. 

In addition and new to the context of my complaint to CFPB, XXXX XXXX have unapplied funds paid to them timely in order to complete the recast ( still pending ). This resulted in my account being shifting into an overdue status. I contacted them to ensure this would not happen - needless to say, XXXX subsequently reported this overdue status, entirely of their own doing through their process of recasting, to the credit bureaus. My excellent credit score on XXXX and XXXX reports has now been demoted to Fair status due to this error on my credit score. In alerting my Single Point of XXXX to this, I received no apology or understanding, but rather his manager messaged that it would be fixed after recasting. Any expectation of basic courtesy and customer service aside ( as it has become clear that XXXX XXXX do not excel in this field from my entire experience with them ), I have absolutely no confidence that this will be remedied quickly and completely, with XXXX taking whole responsibility to remove erroneous reporting from my credit score and return my standing to Excellent with all respective credit bureaus. Indeed, I am now disadvantaged from securing credit I urgently require due to their error and there is no adequate response from them in remedying this quickly.
Consumer complaint received 2023-04-17
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2017-12-28
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. (NY)

For the past year i have been writing in to Experian disputing inaccurate information on my crediting report. Accounts that are inaccurate and need to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 2 XXXX accounts, and a XXXX listing.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

On XX/XX/XXXX, I advised CashApp the following XXXX XXXX transactions that were unauthorized due to my contract expiring on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEES I provided Cash App the contract for verification. Regardless of the proof provided, On XX/XX/XXXX, CashApp advised " Planet Fitness debited the funds using your Cash App routing and account number, also known as an ACH debit. Please know that we are unable to reverse ACH transactions ''.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

I took my car in XX/XX/2023 to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from Santander Consumer saying XXXX called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/2023 paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called XXXX and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier Santander Consumer and told them both what was going on, as I got it towed in. The following day Santander Consumer called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/2023 when XXXX called me claiming the water was coming from two window seals that needs to be changed. Santander Consumer then told me that my vehicle was already in the process of being picked up, at the request of XXXX XXXX of XXXX XXXX, they was just waiting on the tow truck.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I want to add additional comment and complaint against Second Round Sub LLC. 

Their response below clearly state that they are not a credit agency and that I have to communicate with XXXX XXXX to follow up. However, after XXXX XXXX XXXX XXXX response in a letter, clearly states that the account was SOLD to XXXX XXXX XXXX on XX/XX/XXXX and that I should contact them directly to XXXX. 

Whom should I go then for the request of the deletion of this account after been settled? I have proof of Stipulation of Settlement Agreement, proof of Stipulation of Discontinuance of action, proof of payment. Now I have find out no agency can sue me if a XXXX has been expired specially under unemployment circustances. This is something that need to bee investigate. 

As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( XXXX Civil Practice Law and Rules section 214-i ). If someone were sued on a credit card debt on or after XX/XX/XXXX, and the last payment on the credit card was more than three years ago, this person likely have the defense that the statute of limitations has expired. If the statute of limitations has expired, the court must dismiss the lawsuit. 

XXXX XXXX response on previous complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by XXXX XXXX. The account was opened on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to XXXX Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She maXXXX wish to contact the original creditor to determine if they have any reporting on the account. XXXX Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX I am unable to mail the letter as we do not have a current address for XXXX XXXX. The address provided in this complaint appears to be a commercial address. However if she would contact our offices to provide a current address I can send a copy to her home as well. She can reach us at : XXXX. Please let us know if there is anything further needed for this matter.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to Experian, XXXX, and XXXX. XXXX  made these reports and knew that their records were incorrect. XXXX  claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with Experian, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with Experian alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.
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 — Account status incorrect
Company: AES/PHEAA (MI)

To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my XXXX XXXX XXXX XXXX was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX. I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/XXXX. Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2019 i had XXXX in my account that was stolen somehow and sent to a email i do not know. Someone had to access my account online and transferred that money to an email. I reported the issue with my bank XXXX American express bluebird ). They had told me it would take 7-10 business days to resolve this. I called the police and filed a report. On XX/XX/XXXX they responded through email saying that my request for refund was denied. They wont tell me why it was denied or any information only that i can write them and they will let me know why it was denied. I work very hard for my money and deserve to have all my money refunded. I am in so much shock that i was a victim of theft and they will not help me.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NV)

XXXX XXXX {$790.00} Date opened XX/XX/2020 in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-25
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. (AR)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting acXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
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. (NV)

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-25
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-25
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. (NY)

As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to XXXX XXXX Ive contact the company which is XXXX to rectify the matter but to no avail.