davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

XXXX, recently they edited a payment history on my credit report to show XX/XX/2021 as XXXX  days late, when previously it showed XX/XX/2021 as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a XXXX repossession. They are claiming it was XXXX  days late on the XXXX repossession, but it was not. They said after XXXX  days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took XXXX years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for XXXX years, but they wont report XXXX single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on XXXX  years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/2021 payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was XXXX  days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to Santander XXXX. They have the legal terms down to a science and know exactly how to word everything. XXXX going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX  XXXX  of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 2. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 3. [ XXXXXXXX XXXX  ] Inquiry date : XX/XX/XXXX 4. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-01
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement.  XXXX XXXXXXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXXXXXX XXXX error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I CAN FILE AS MANY CFPB-COMPLIANTS AS I WANT TO LETS STOP PLAYING GAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California, XXXX Collection Consultants of California Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-04-07
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-07
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. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I disputed a letter to the credit bureaus on XXXX XXXX to Equifax, XXXX and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX Inquiry Info : HARD Inquiry : Automotive - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX
Consumer complaint received 2021-03-31
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)

I recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (IN)

On XX/XX/XXXX, I contacted KeyBank regarding fees on my checking account that caused my account to go negative and thus causing an overdraft fee. In an effort to just move on from Key, I took care of the negative balances and fees and closed both checking accounts and my Key credit card. The credit card was showing closed online a few hours later. I thought all was well until XX/XX/XXXX when I logged into my accounts to make sure everything was properly closed. At that time, I noticed that my card was no longer showing closed and there was a {$.00} charge on my credit card. On that same day, I received a letter in the mail from Key stating that the account had been closed.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

We received an offer from AMEX. 0 % balance transfer and {$0.00} balance transfer fee. There is no disclosure whatsoever that they limit you to a XXXX balance transfer. We have read the disclosures in full and they have agreed there is no disclosure. We were approved for a XXXX line of credit and intended to transfer XXXX. We would have never applied for this card if we knew that. Now we have an inquiry on our credit and we have disclosed all of our personal information to them. We tried to resolve this with AMEX.  We asked that they make an exception and transfer the XXXX. We also asked that they remove the inquiry on our credit report. Of which, they refused to help us with anything. We talked to 4 different people with no solution. All we were told was we can't do anything for you. We told them we were going to file a complaint and trying to resolve this with them and all they said was file a complaint. Done.
Consumer complaint received 2019-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019 I contacted Transunion to report a bunch on unauthorized inquires on my credit report and was told by the representative that there was nothing they could do. On XX/XX/2019 I once again contacted Transunion to report old and new unauthorized inquiries on my credit report and was advised by the rep that I had to first try and make contact with all the individual creditors and request them remove the inquiries. On XX/XX/2019 I sent out letters to each individual creditor requesting they remove the unauthorized inquiry or send me documentation with my signature on it approving their request. I have yet to get any documentation in the mail from any of the creditors listed on the attached pages or have seen any inquiries removed. I tried contacting Transunion on XX/XX/2019 to explain that I had done what they requested and sent letters out to each individual creditors to request they remove the unauthorized inquiries or send signed documentation showing my approval of their request and was told by the rep there was nothing they could do, that I could not dispute this with them and I had to take care of this myself. I would just like their assistance in removing these unauthorized inquiries.
Consumer complaint received 2023-04-09
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: Self Financial Inc. (RI)

On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at sbnaselflndr. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX and/or sunrise bank. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with XXXX, and again, a day later XXXX told me that the account truly belonged to me. I am at a dead end. The company, XXXX or Sunrise Bank, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Consumer complaint received 2019-10-01
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-04
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: Credit Karma (FL)

XXXX ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX XXXX Morgtgage Pass-Thtough Certificates SeriesXX/XX/XXXXXXXXXXXX XXXX XXXX Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
Consumer complaint received 2021-03-31
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: Santander Consumer USA Holdings Inc. (TX)

I was looking over my credit report and saw that Santander Consumer USA Inc. was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX keeps calling me from XXXX trying to collect debt I have no knowledge of that isn't on my credit report. They were claiming that I owed {$3000.00} to XXXX XXXX XXXX  for a credit card, which doesn't make sense because I have both a bank account and a credit card with XXXX XXXX XXXX that are current and in good standing. The credit limit also does not match. Despite me telling them several times that I do not have any knowledge of this debt and that it's not on my credit report, they keep calling me and using predatory terminology starting that they may sue me for the debt. They also called my fiance repeatedly looking for me and tried to talk to him about paying my supposed debt that I have no knowledge of that is again, NOT on my credit report and I've never received anything in the mail from these scam artists. I saw that these people were sued recently and I want them to stop bothering me and threatening me or I will also sue them.