davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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. (FL)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX  TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander USA, harmed not only one veteran credit but two. We  paid the vehicle entirely, online. And they repossessed the vehicle and didn't clarify, that by me turning in the vehicle for emergency reasons, that mine and my brothers credit would be affected. Santander USA is doing unethical business practices. 

I was always on time with my car payments and never missed one payment, in the time i owned my car. I had a personal emergency, that caused me to turn in the vehicle, if i would of had better advice than that i would of sold the vehicle. 

So not only, did Santander repossessed the vehicle, i was paying on time which i turned in, they ruined my credit and my brother 's credit, they sold the car, and the money they made out of all the payments i made, and on top of this, they want the full amount owed. 

This is after we had a conversation, and now both myself and my brother who had XXXX credit scores, have bad credit and debt because of this business unethical business finance practice and XXXX XXXX manipulation.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I called Chase Bank back in XXXX to report a fraud made by XXXX for {$1200.00} without my approval. My account was hacked and somehow someone accessed my information and was able to approve this authorization without me knowing. The bank gave me the funds back until XX/XX/2020 when I noticed that the bank took the money back leaving my account overdraft, I called the bank the same day, the day after and next day trying to look for help and the supervisors told me they could not help me because all the information the people used was accurate. Of course it will be accurate it was my account with XXXX that was used. After I tried I was supposed to get a check from my employer and the bank wouldn't accept it. I called and they told me they were not doing anymore business with me, I noticed that the negative amount was gone and I said ok no problem and they said they were going to email me the check my employer gave me. 
After a few days I went back to my account and no amount was showing until XX/XX/2020 I noticed they posted the amount back plus extra XXXX I keep calling and they are close due to the virus and I can't get in contact with anyone. This is crazy I can't afford to be Overdraft like that I really need help my account is Overdraft by a lot now and I can't afford this during this Corona Virus crisis. 

Thank you, -XXXX
Consumer complaint received 2022-10-30
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. (NV)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been unemployed and faced hardship with my mortgage payment. During that time I have been a full-time student working toward my XXXX license. With COVID-19 and my experience, I have been able to gain full-time employment checking temperatures of workers entering the building. On XX/XX/2020 I contacted Shellpoint to discuss arrangements on my past due balance and was advised they couldn't help me and that my property was in foreclosure. My past due amount is {$12000.00} I would like to pay {$7300.00} today and get assistance with the remaining {$5100.00}. Please help to resolve this issue. 
Thank You XXXX XXXX
Consumer complaint received 2020-08-11
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. (NH)

This complaint is Against Experian for not following the fair credit reporting act and not reporting XXXX XXXX XXXX to the proper federal jurisdiction for breaking the law. 

Currently experian is wrongly allowing XXXX XXXX XXXX  to break the fair credit reporting act as creditors are required to update accounts/reports on a monthly basis. As of today XX/XX/2020 My report shows the XXXX  XXXX XXXX personal loan account, that I borrowed against myself, that it has not been updated since XX/XX/2020 and it still shows the account balance of {$9000.00}, when the account balance should be zero and reflect as all payments were made on time. This was paid off on or about XX/XX/2020. 

Experian knows this hasnt been updated and for the failure of Experian to not provide accurate reports suggests Experian knows theres problems with my social security number and accounts should automatically be updated through the computer credit data basis. All of this Evidence is pointing that my Experian credit are reports and or accounts are not tied with my social security number. 

Which means Experian is manually updating my reports when it should be an automatic computer interface within all banks and creditors. If this doesnt get resolved immediately then Experian is admitting to breaking the law with XXXX XXXX XXXX and other creditors in the past. Iv had to file atleast a dozen if not more complaints with just Experian in  the last two years, which proves there s a computer Interface problem with my social security number and credit information. 

My report is being manually updated and its identity theft. Should be automatic. Im not accepting the law being broken and the abuse from experian. I shouldnt have to file a dispute or complaint every month for basic reporting and to get a correctly updated report. And your stealing money for not giving me automatic accurate credit reporting.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (CT)

I opened an account with XXXX XXXX XXXX  on XX/XX/XXXX. As a promotion for opening an account with them, they offered a bonus of {$300.00} if you made 10 debit card transactions within 90 days of opening, enrolled in e-statements, and opened a savings account. I've included a screenshot of my banking activity to show the opening and transactions. I was due to get paid by XX/XX/XXXX and never received a bonus. I sent a secure message to them and have not received a response yet.
Consumer complaint received 2020-06-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

My current mortgage lender is Loancare Servicing Center. In XXXX, XXXX, and XX/XX/XXXX. The company reported consecutive late payments on my mortgage. I was in the process of refinancing my mortgage in order to pay equal equity from the house to my x-wife. I decided not to use the same company. Subsequently, the loan was denied. I attempted to call and speak with Customer Service and they refused to remove the false reports. I hired a Credit Repair company and the late payments were removed. In XXXX I applied with another refi company " XXXX XXXX '' Which offered 1.7 %. In XX/XX/XXXX, I was told that there was another late payment in XXXX reported by Loancare. The payment was late but not over 30 days. The loan was denied. I once again attempted to resolve this issue by providing proof of payment to Loancare. The refused to remove the charge. I am force to hire the Credit Repair company to address this issue. My credit has been destroyed because of the practices of this company and their refusal to resolve the issues in a speedy manner. The late reporting in XXXX, XXXX, and XX/XX/XXXX had a domino effect on my score. The credit limit on my cards was dropped by 10 's of thousands which in turn placed me at 80-90 % credit usage. My score dropped from XXXX to as low at XXXX. Not only has their indiscretion caused me hundreds of thousands of dollars, I am being threatened with losing my Driver 's License and jail time for not abiding by the divorce settlement. Any assistance that can be provided in this matter would be greatly appreciated.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX   XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX {$4300.00}
Consumer complaint received 2020-08-11
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX {$4300.00}
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (OH)

I have contacted Evergreen professional on XX/XX/20 to verify a debt they say that I owe them. However they have not responded to my request. 

I called them on XX/XX/20 and they were not straight forward with me at all.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XXXX reached out to me in the fall of XXXX indicating that I owed this debt of XXXX. The address they gave me for the notices and billing was not my address and I indicated this. They stated that I needed to prove my identity to prove to them this was not mine. I indicated that that was not correct and they need to prove to ME it was mine. I spoke to XXXX again in XXXX as I was preparing to buy a house and they indicated that they had no record of the debt. I am enclosing a letter that the have sent to the collection agency again indicating that this is not my debt and requesting that it be removed. Thank you
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 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 2020-08-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from Transunion indicating 1. lack of Real Estate secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all 4 as my 2 card were all paid in a satisfactory matter as I was never late and 2. there were two auto loans on my account and one was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped 19 points. I have never experienced a credit limit decrease. Something is not right here.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (LA)

I am a ex XXXX XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MD)

I opened a First Progress account years ago which charged off and was sent to XXXX XXXX. I have called XXXX XXXX multiple times and they claim the account is no longer in their office and to call First Progress. I call First Progress and they say to call XXXX XXXX  This is holding me up. Because i cant pay the balance i cant apply for a mortgage. Someone should be able to locate my account and accept payment
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Good morning and my name is XXXX XXXX and i just got off the phone with 3 different representatives at XXXX XXXX which then connected me with ( Commonwealth Financial Systems XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ). The representatives stated that they can not find me because they don't have my SSN on file and that they have limited information about me - They only have a prior phone number, which doesn't belong to me, and they gave me an address of XXXX XXXX XXXX, that doesn't even belong to me. They said that it's a medical collection from XXXX from XXXX XXXX XXXX  which I don't even recollect for a procedure - Hippa violation!!!. How is it possible they placed this on my credit profile without my knowledge without my personal information. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I CLOSED THE ACCOUNT TWICE AND PAID THE FULL AMOUNT DUE AND THEY CONTINUE TO KEEP THE ACCOUNT OPEN AND CHARGE ADDITIONAL FEES. THIS IS FRAUDULENT PRACTICE AND NEEDS TO BE INVESTIGATED. MANY PEOPLE HAVE THE SAME ISSUE WITH AMAZON 'S CC SYNCHRONY AND YOU CAN NOT ANY RESPONSE ALSO FROM THEI CORP OFFICE AS WELL. THEY JUST IGNORE ALL AND CONTINUE TO SEND STATEMENTS.
Consumer complaint received 2020-06-17
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. (TX)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I have had two free checking accounts with First Citizens Bank for several years. In XXXX, they began charging a {$18.00} fee to the two accounts. I am requesting a refund of the XXXX {$18.00} fees and no additional fees for free checking accounts.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Opened an account with XXXX XXXX  in XXXX XXXX XXXX, FL. was opened in XXXX then canceled this account the very next day by phone call to the sales representative, was told to email the wish of cancelation which was done the same day and by hand delivering a written statement of cancellation 2 days later to the sales representative XXXX in office. Nothing more was heard from this company until a few years later on or about XXXX when I had our credit pulled. I disputed with all credit bureaus, and it and it was removed. Now it is back on my credit report as of XXXX of XXXX as a new account. I have made every attempt to have this straightened out and removed, but XXXX XXXX just run me around to collection companies that are not in service and say that this account no longer belongs to them and gives me numbers that are no longer in service one being XXXX XXXX   which is XXXX XXXX, the other is XXXX XXXX XXXX XXXX and finally now it is with Security Credit Services. I do not understand how the file can be removed and then reapplied years later by selling the account as default/delinquent when it was removed.