davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account : XXXX. This vehicle was repossessed by Santander Consumer USA in the XXXX of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC 9-504 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I had made a express transfer of {$1500.00} through western Union which is advertised as XXXX hours server but the amount has not been credited yet. After calling a couple of time representative confirmed the transaction has been canceled without any reason and you will get your money back in 2-3 weeks. I am going through hard time due to delay hence requesting your help to avoid such issue in future and compensate for losses that has happened to this delay. 

Your tracking number XXXX XXXX  ) isXXXX  Date of transactions : XX/XX/2022 XXXX ET. 
Date available in Final Receiver 's Country : XX/XX/2022 Delivery Method : Final Receiver 's bank account Card Number : XXXX Transfer Amount : XXXX USD Transfer Fees : + XXXX USD
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The dispute was completed on XX/XX/2020 with XXXX XXXX which has 2 accounts on my credit. Trans Union is saying that XXXX XXXX is accurate but did not give me a statement as to why this is accurate. When I contacted the companies such XXXX XXXX XXXX and XXXX XXXX they were unable to locate those accounts. Please have them remove from my credit file.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

Back in XX/XX/XXXX I had installed a walk in tub. It is being financed through Service Finance company. My payments are $ XXXX until payed off. I just received a bill for next payment BUT it struck me as odd because I am ahead on my payments. From my calculations & from my review of my bank account on a couple of occassions I made XXXX payments in a month time, on more then one occassion. I have complained to the company before about their poor tracking system. I have also requested copies of my cancI am looking @ my statement I was sent & there is a huge discrepency with when my payment is due. I am also contacting the bank for copies of my cancelled checks. Yet in reviewing my past bank statements, your company is double dipping & NOT current with all my payments already made. ( this message sent to company ) Again I am requesting copies of my cancelled checks becauxe in the memo section I write my account # & the date payment is for. Here is what I see thus far : I started in XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX was cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX ( this is XXXX payment made in XX/XX/XXXX ) check # XXXX on XX/XX/XXXX ( this too is second payment made in XXXX ) Check # XXXX cashed on XX/XX/XXXX So as you can see there are some months were I paid x2 & so your records are incorrect & * wjhen I get the cancelled checks back from the bank it will prove your error in billing & that you are double dipping & overcharging me. Therefore just w/ this proof of your incompetence I am filing a complaint with the FTC on your company for this mismanagement & double dipping & over charging me on more then one occasion. 

So I strongly recommend you re-educate your billing personnel & I strongly suggest you get your records in complete order & compliance because even now the bill I received is for XX/XX/XXXX payment!!! 

XXXX XXXX XXXX # XXXX checks from the bank as in the memo section I write loan # & payment month.
Consumer complaint received 2022-01-09
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: Lending Club Corp (TX)

I sent Lending Club a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lending Club has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. I also sent Lending Club an Affidavit of Truth regarding this alleged debt which they have not responded to which implies they either can not respond to the allegations because it would be an admission of guilt and or expose their fraudulent activities.

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The debt collector has not provided me with the proper debt validation for these allegd debt. 

XXXX XXXX XXXX  Acct numberXXXX. Opened XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX  Acct XXXX opend XXXX {$1500.00} The XXXX XXXX XXXX XXXX 
XXXX. Opened XX/XX/XXXX. {$220.00} XXXX XXXX XXXX XXXX XXXX  Acct number. XXXXOpened XXXX {$8600.00}. 

XXXX XXXX XXXX Acct XXXXOpened XX/XX/XXXX {$5700.00} XXXX XXXX XXXX Acct XXXX. Opened XX/XX/XXXX Amount {$270.00}
Consumer complaint received 2022-11-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (OK)

XXXX XXXX XXXX was contacted by Santander Auto finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXXXXXX XXXX XXXXXXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( XXXX and XXXX ) I was told that all the agents available had no information on the debt only that it was representing Santander and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over XXXX years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (NJ)

THE ACCOUNT IS CALLED XXXX XXXX  XXXX XXXX WAS OPENED ON XX/XX/XXXX OF A BALANCE OF {$440.00}. I CALLED MORE THAN 5 TIMES STATING IT WASN'T ME AND IT WAS REPORTED ON MY CREDIT REPORT. 

ALSO, A COMPANY NAMED ONE MAIN WAS OPENED WITHOUT MY KNOWLEDGE ON XX/XX/XXXX. THE BALANCE WAS {$4200.00}. THAT WASN'T ME AS WELL. I CALLED THEM TO STATE THAT INFORMATION AND NOTHING WAS DONE.
Consumer complaint received 2022-11-09
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 have written Equifax and XXXX and XXXX regarding errant accounts with many inaccuracies on my credit report many times asking them to investigate these accounts to make sure they are Verified and Accurate, each time they come back as Verified as Accurate, However I keep seeing many inaccuracies and mistakes which is not allowed by FRCA. I have also attached just some of the investigation results as there is too many. No matter how I try to resolve these inaccuracies these accounts still appear, which I have now learned is a direct violation of my rights. 

These several accounts are Highly Incorrect and Errant and these accounts were verified as accurate after many investigations ( unlawful ). 

However, I have a few questions for the bureaus : How did these bureaus complete their investigation? 
Did they talk to my neighbors, friends, family, etc as per law in the FCRA? If so, please inform me of the person who completed this investigation and a FULL description of the investigation within 15days or less. One more thing, I was reading the FCRA and noticed they violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and the Time to correct these accounts has long passed. Please see attached Credit Reports as reference of all the inaccuracies which is NOT allowed by FCRA, my report must be 100 % accurate. The inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after their investigations. 

I have also attached proof of all my certified mailings to the credit bureaus, not including the mailings to each creditor. I have also notified my state attorney general of the wrong doing to my person. 

Please have them Delete all the above states accounts right away, and keep them from coming back in my credit report.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/2022, I accepted a XXXX XXXX Interest for 12 months Balance Transfer offer from Capital One. I paid for the privilege ( a XXXX XXXX  fee of {$120.00} ) for a {$6000.00} balance transfer. I have paid $ XXXX {$1000.00} extra on my bill each month in order to pay it off in the 12 months allotted. 

As I am eight months in, I sought to decipher exactly where I am on that payment. I have paid {$4500.00} beyond my monthly bill in this timeframe, meaning my remaining balance should be {$1500.00}. Therefore I find this line on my current statement quite disconcerting : " PROMO PURCHASE N GRACE : {$4200.00}. '' Where did THAT number come from? 

I logged in to my account online, and ( save for the forensic accounting of my statements ) can find absolutely nowhere any information about this Balance Transfer Promo and remaining balance thereof. 

So I called XXXX and spoke with a very nice customer service agent about this omission. We also discussed the fact that NOWHERE on my monthly statements shows anything about the diminution of said Balance Transfer balance. When asked whether I can make a payment targeted specifically at the remaining promo balance, the answer is NO. 

Personally, I am savvy enough that this Balance Transfer will be cleared well in advance of 12 months time, and any attempt by Capital One to apply the ( currently ) XXXX XXXX Cash Advance fee to my account will promptly land them in court. 

But why the obfuscation? Could it be that XXXX WANTS customers who take them up on the offer to forget all about that deal? And thereby incur that Cash Advance interest rate retroactive to the date of Balance Transfer? OF COURSE THEY DO! 

How is this not XXXX? How is this not Illegal? Banking XXXX, perhaps?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of Identity Theft. The following accounts were used unauthorized and it affects my finances badly. I need help, I demand to remove the following accounts from my Credit Report! 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

First week of XXXX I applied for a HELOC where I was informed that this process would take 45 days, Well fast forward were in XXXX now and within the first few weeks I sent in all requested documentations and my calls and emails were being ignored. I have the credit and income and in good faith believe that this is discrimination or this was intentionally delayed in efforts to force me into a higher interest rate The individual over seeing my application is XXXX XXXX | XXXX XXXX
Consumer complaint received 2022-11-09
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. (WI)

I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of XXXX, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023, TransUnion acknowledged receiving my information and dispute letter, but they declined to investigate the matter, alleging that I had engaged a credit repair company. I have endured months of mockery from TransUnion, and I am reaching a point of extreme frustration. My consumer rights are being violated, and I am seeking guidance on how to assert my rights and address this recurring problem.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (CA)

I received a copy of my credit report and noticed some hard Inquiries that I don't recognize. 

XXXX XXXX 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 2023-06-11
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. (TN)

XXXX data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XX/XX/2022 I use my debit card with Bank of America to pay ( XXXX XXXX by something on XXXX! After I make a payment and I dont receive my stuff! I already have the report from the police department and XXXX company! XXXX want Bank of America get my money bank from them
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX  of Texas Bankruptcy court. The XXXXXXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , IncXXXX to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable harm