davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I had a lease with Chrysler Capital. My account from day one was on automatic payments and was consistently paid on time at the first of the month. For the final payment, they, in their words, " manually cancelled '' my automatic payments causing me to miss the cutoff. I called in to ask about how to handle the lease return, and the person on the phone told me I was past due. I immediately paid because I had no idea I had missed a payment since it was on automatic payments. The lady on the phone told me not to worry about it and it would not be reported. Several days later, I get an email from my credit reporting that says I was delinquent on a payment and my credit score was knocked down by 49 points.
Consumer complaint received 2024-03-21
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. (PA)

I had previously sent a notice on XX/XX/2024 to the consumer reporting agencies about an alleged identity theft and to date I have not received a response. There's also a duplicate account from XXXX XXXX but the account type is mortgage when I NEVER HAD A MORTGAGE. This is all identity theft and I demand that all the accounts listed gets removed from my consumer reports. See attached. It has been almost 2 months since I sent this notice with all the documents. Since then, I have completed a new identity theft report as it is now aggravated identity theft. I have also sent a notice cease all communication to XXXX XXXX and they are still communicating with me on my transunion consumer report. The FDCPA states that the term " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' and consumer reporting is an indirect medium of which they are using to communicate. That is a violation of the procedures of the FDCPA and since they are reporting without my consent they are also committing aggravated identity theft.
Consumer complaint received 2020-08-12
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}
Consumer complaint received 2020-08-12
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)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

Please see attached letter from Comenity Bank dated XX/XX/2020, the letter advised that finance charges are postponed on the disputed amount during the investigation. Therefore, please credit the {$10.00} in finance charges assessed on XX/XX/2020.
Consumer complaint received 2020-08-12
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. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3500.00} XXXX XXXX {$4400.00} XXXX XXXX {$3500.00} XXXX XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-08-12
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)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3500.00} XXXX XXXX {$4400.00} XXXX XXXX {$3500.00} XXXX XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-06-13
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. (CA)

It has been over 60 days since I've sent out my complaint to the credit bureau and have not received any response. From what I have read this is completely against FCRA guidelines and I hope you guys can assist in finally getting this resolved.
Consumer complaint received 2020-08-12
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. (TX)

This account is not mine and has been deleted by XXXX 

Item1 # XXXX {$1600.00} Closed 22 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Related Balance on XX/XX/XXXX Loan Amount {$1600.00} These inquiries I didn't authorize. 

These lenders have accessed your credit file : XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bank of america checking account apparently someone called a teller on XX/XX/2020 asking to make a transfer to my Bank of America Credit card payment of {$1500.00}. I noticed the on XX/XX/2020 that my checking account was lesser of {$1500.00} Called the Bank of America right away on that day ( XX/XX/2020 ) I never gave authorization to any teller to get money from my checking account to be transfered to my credit card.. I have been transfered to the escalation Manager and told me that I have to file for a check account fraud which I did. I closed my checking account with their suggestion and open a new one. 
On XX/XX/2020 i noticed that there was a transfer from my Bank Of America credit card amount of {$900.00} to another account ( which I have no idea whose account it is ) Called again to customer Services and filed another claim this time a credit card fraud.. 
Bank of America has been giving me a run around saying that credit card fraud should be able to assist me when I call credit card fraud they say I have to call Checking account.. 
I have 2 claims from them and I never get a straight answer.. It either 6-10 business days and 10 business days is up, I gave them a another call for an update and they said that they will send me the money by mail but only the {$900.00} ( which I dont even know if i will receive it ) because I made a promise that I will pay the credit card ( which started the whole ordeal ) tried to explain it them that I never made a phone call I never promised to pay {$1500.00} to my credit card I never talked to a teller..someones using my name and my information. Im tired talking to 20 different people spending 3 hours on the phone with them and I have no way of knowing if I will get my money back {$1500.00}. It is my hard earn money and they just took it without my authorization..
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MO)

I got a car loan with Regional Acceptance Corp back in XXXX. I paid off the loan on XX/XX/XXXX in full in the amount of {$4400.00} through the my bank bill pay since it was a large amount. Money was sent, and withdraw from the account. This was not credit to my account, and it was closed on my credit, but not on my co-signers. I no longer use that particular account that the money is sent from. So I am working on getting the bank statement from that financial institution. I got a call on XX/XX/XXXX stating that they were going to repossess the vehicle even though the car was paid in full. Must be some clerical error on this companies side.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX XXXX has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

Processed required information to move from a regular monthly payment to a discounted, semimonthly payment to automatically be withdrawn on the XXXX  and XXXX  XXXX  of each month. I paid {$4000.00} to initiate the program. That arrangement was initiated on approximately XXXX XX/XX/XXXX. 

Three months later I was notified that I was three months behind on payments again. I contacted AmeriHome again, and they admitted that things were in order, and it should have begun, but I would have to pay another {$4000.00}, which included a late fee. Also, I had to complete the paperwork again. I did as directed. That was approximately XXXX XX/XX/XXXX. Being as it was their mistake, I asked that I be granted a refund of the late fees and was told I would have to send an email with that request. An email was sent to AmerHome that day. Now, almost eight months later I have still received no response. 

In XXXX, XXXX, due to a change in fee structures at my bank I was forced to change the account form which my house payments were being made. I immediately notified all of my utility companies and Amerihome of the account change. I was told to fax a form from their online items. I did so immediately. 

Now, XXXX XX/XX/XXXX I received a letter stating that I am behind again. I called Amerihome to see why the process did not continue. I called them on XXXX XX/XX/XXXX at XXXX and was on hold for 13 minutes and 43 seconds. I was disconnected and called back at XXXX and was on hold for 14 minutes and 28 seconds. When I finally spoke to someone I asked to speak to a supervisor. None were available and I was told I would contacted XXXX, XXXX XX/XX/XXXX. I was not contacted. 

I called again XXXX, XXXX XX/XX/XXXX at XXXX was on hold for 16 minutes and 28 seconds. Upon speaking to an agent I asked to  speak to a supervisor, but none were available as it is their protocol to arrange for a supervisor to call back. I was assured it would be with in the next eight business hours. Again, no return call. 

Incidentally, I am currently on hold with them again now, XXXX XX/XX/XXXX. This call was initiated XXXX and I have been on hold for 21 minutes and counting.
Consumer complaint received 2020-06-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Since XXXX we have been dealing with the financial corporation regarding the Tax Exemption of XXXX XXXX   XXXX Veteran, and within our escrow account they were to remove county taxes, we have been doing this since XXXX. Today I went online to see if the correction has been made on the account and they did put us as exempt BUT, our payment amount is still the same and has not changed they have done this to several people VETERANS and Ive been trying to fix this and have made so many phone calls and still nothing our payment remains the same when it should be almost 300.00 dollars less and its so frustrating at this point in time. Can someone help with this or get these people to there dang job right. They can not be collecting taxes from someone who is tax exempt.
Consumer complaint received 2020-08-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (VA)

A debt validation letter was sent to DEPT OF ED/ NAVIENT on XX/XX/2020 certified mail, because of upon investigation there were concerns of my student loan account being not valid, because of possible fraud and non full disclosure. So in the letter i requested debt validation in the form of 1. validation of debt- this is actual accounting 2, verification of there claims against me ; that is a signed invoice, 3, copy of the contract signed binding both parties ( XXXX XXXX XXXX XXXX and DEPT OF ED/ NAVIENT ), in a letter by ' certified mail so that there is an independent " witness to have it delivered. '' I have yet to receive a response from them in the reasonable amount of time that was given to them of 14 days.
Consumer complaint received 2016-06-11
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (GA)

I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX
Consumer complaint received 2024-03-21
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-06-18
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (DC)

In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to Navient and inquired about the status of my loan during the time that the delinquencies were reported ( XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, XXXX. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I discovered inaccurate data on myself when I logged into my Experian credit agency account. In an attempt to get the data corrected I searched Experian 's password protected account logon web page for a feature that would allow me to update my data but there was not such a feature to be found. I then tried calling the various phone numbers they listed under " Contact Us '' to talk to an agent but was never given the opportunity to reach anyone. And their automated phone system did not allow me update my data myself. Once you navigate through their phone system menus the automated voice simply says " good by '' then hangs up on you. 

While logged into my account I also wanted to confirm that I had a freeze on my Experian credit rating. Yet, my Experian account window I found no notification of any kind that confirmed my credit freeze was in effect. Only by very difficult navigation through their automated phone system menus was I able to confirm that my credit freeze was in effect. 

Experian listed what looked like and contact email address or a website " XXXX '' that I could reach them at. But it turned out not to be a valid email address or website. 

I finally determined that the only way to communicate with Experian was by writing them a hand written letter and including copies of such sensitive information as my drivers license and my Social Security number. They also required very difficult information to provide such as all the addresses I resided at for many years back. 

My complaint is that Experian collects consumers ' most sensitive information, makes a profit providing this information to businesses requesting it and has tremendous influence on their customers ' financial wellbeing yet they provide extremely poor services and support to assist their customers to make sure their data is correct and managed properly. Consumers are completely at their mercy of these credit agencies like Experian with no reasonable way to communicate with them about their credit information. Since this problem affects all Americans in every state, I feel it would be appropriate for our Federal Government to impose better standards for all agencies in the credit rating industry. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AK)

I have contacted their customer service many times, and they all told me that I could withdraw my money and ask me to change my browser. I tried many times, but I still couldn't withdraw my money. I want to withdraw my money. 
I keep making mistakes when I withdraw money Sorry, somethings not right. Please try again later. 
Go back My email is XXXX XXXX