davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: SANTANDER HOLDINGS USA, INC. (CT)

XXXX. On XX/XX/XXXX my husband of over 20 years tragically took his own life. He was the sole income provider for myself and our children. 
XXXX. I subsequently paid {$170000.00} to Santander, which was applied to the subject loan. 
XXXX. Around mid-XXXX XXXX, I attempted to have automatic monthly mortgage payments withdrawn from my account by Santander. At the time, these monthly payments were {$95.00}. I provided bank account and routing numbers, and the individual assured me that automatic payments had been set up. 
XXXX. I subsequently discovered that the automatic payments were not in effect. 
XXXX. I do not have representation in this Foreclosure case, and on multiple occasions, I contacted Santander in an effort to resolve any existing default but they refused to speak to me. These calls occurred throughout the fall of XXXX. 
XXXX. On XX/XX/XXXX, Santander 's council filed an affidavit of compliance with EMAP ( Emergency Mortgage Assistance Program ) which incorrectly states that the borrowers are deceased. I am the borrower referred to in Paragraph XXXX of Santander 's Complaint, I reside at the property. Therefore, EMAP is applicable to this case. 
XXXX. The subject real property has a value in excess of {$400000.00} and Santander 's debt is less than 10 % of the property 's value. 
XXXX. The last mortgage statement provided by Santander says the minimum payment due is {$18000.00} which includes {$14000.00} in " Fees Due ''. The amount of the fees claimed in the mortgage statement greatly exceeds the amount of fees claimed in Santander 's Affidavit of Debt filed on JXX/XX/XXXX. 
XXXX. In XX/XX/XXXX I called Santander to discuss the minimum payment of {$18000.00}. Santander refused to speak to me on the matter. 
XXXX. My XXXX children reside in my home. 
XXXX. I wish to participate in loss mitigation with Santander to resolve this matter but have been unable to do so, as Santander refuses to speak with me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-14
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. (IL)

These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

N accordance with the fair credit reporting act XXXX  account # XXXX / XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NY)

Im making this complaint against the used car dealer and the finance company for listing me as co-signer without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.
Consumer complaint received 2023-06-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-22
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)

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

EXPERIAN and XXXX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

- I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have been banking with Santander for over 5 years and generally do not have any issues until recently. On XX/XX/XXXX, I saw a charge on my bank statement that I did not recognize. The amount was for {$10.00} to XXXX XXXX. I called my bank after it had officially posted onto my account to see if they can give me any further details about it since I had no idea what it was. I wanted to see if I made the charge on a different day and simply forgot about it or if it just came up under a different name on my statement. The customer service representative over the phone told me the charge was made in the morning time of that same day ( XX/XX/XXXX ). At that point, I knew it was not a charge I authorized because I did not use my card at all that day and I was in school at the time of the transaction. The representative over the phone was able to refund the money and they launched an investigation. She also told me that whoever made the transaction used only my debit card number and had no way of accessing my account number so they had to send me a new debit card. They ordered a new debit card to my house on XX/XX/XXXX. About 10 days later, I called the bank again because I never received the new card. They had then concluded that the card must have gotten lost in the mail. They issued me another card on XX/XX/XXXX. I waited for the card to come in the mail for another 10 days. That made it 20 days without a debit card. In the meantime, they held all the money going into my account ( deposits and XXXX transactions ) making it impossible for me to pay bills. In other words, for XXXX days I had a hold on my account. My phone bill, credit card bills, and other things were not able to come out of my account for XXXX days because they failed to expedite my debit card XXXX times. They told me everything was on hold until I activated my debit card that so never received for XXXX  days. All my bills charged me late fees because of this. By the time I got my debit card and thought everything was finally going back to normal, there was a second charge that I did not recognize on my account. This charge was for {$21.00}. When I called the bank about it, she reassured me she would be able to refund me, but also informed me that my account number was compromised now. I have been trying to get my money back from this transaction so I can close out my account and never deal with them again but they have not been compliant. They have not been helpful and I have made several phone calls about my issues. 

attached are the photos of the original transaction for XXXX and the refund. the refund was issued the same day. i have also attached the new transaction that was done using my account number to XXXX XXXXXXXX. i do not even have a XXXX XXXXXXXX bank or credit card. The only loan and credit card I have is from discover.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-06-28
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-18
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. (AZ)

this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, & XX/XX/2018, Bank of America address XXXX XXXX XXXX XXXX, DE XXXX placed hard inquiries on my credit score I talked on to customer service to request help from them on what would be a good credit card for my first ever credit card to get started they referred me to high end cards such as the travel rewards cards which there was little to no chance that I could receive, this is now negatively effecting my credit for their poor judgment on referring me to a high end credit card for my first credit card to apply for. On XX/XX/XXXX I called them back because I did not receive a letter in the mail after 5 business days so I thought the credit card request did not go through therefore I called back and instead of looking at my history and telling me there was a letter on its way they had me apply for another credit card that was not possible at the time for me to receive again bad on their customer service and really negative to helping someone at the age of XXXX get their first credit card. after several business days I received letters in the mail stating I have no credit score yet therefore I can not receive these cards. On XX/XX/2018 I applied for a student card with Bank of America after calling in frustration why the cards they recommended me for did not get approved they then recommended I apply for a student card but since my credit was negatively effected from their recommendations for my first 2 applications I was not accepted for that card either. VERY FRUSTRATING being only XXXX and trying to start a positive credit line. I then finally gave up on Bank of Americas poor customer service and recommendations and got a XXXX   XXXX journey card which I was immediately approved for. I would like to fix these hard inquiries and have them taken off my credit score on XXXXXXXX XXXX, and XXXX 

Thank you for your time and I hope that this can be fixed.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (FL)

It should be known that this complaint is filed against both XXXX and Equifax for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both XXXX and Equifax and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from XXXX and Equifax are missing date account was closed. 2. Both reports from XXXX and Equifax are missing date of last activity. 3. XXXX reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. XXXX report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on XXXX report. Said dispute has been over and no other disputes exist. Once dispute is over, XXXX was obligated to remove all codes and remarks about disputes from the report, which XXXX failed to do. 8. Equifax report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. Equifax was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have pulled my latest report and saw these inquiries appearing that I did not authorize. I demand these inquiries to be deleted from my report. Attached to this complaint is the FTC Complaint I have filled. 

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
Consumer complaint received 2023-02-22
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. (FL)

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, XXXX XXXX Experian. XXXX, Experian & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, Experian or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Consumer complaint received 2023-06-29
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.