davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I left my job in XXXX and had some financial issues as I searched for work. Santander Consumer USA entered into an agreement with me to extend payment on my account, retroactively, that XXXX. They extended the XXXX payment to XXXX XXXX. T I agreed solely because they indicated it would be an extension that would avoid my having a delinquency on my credit report. 
As you can see from the agreement, it states nowhere that it would not apply to credit reporting and I was n't told it would not, quite the opposite as I recall. 
I never would have bothered to obtain a retroactive extension if it were not to preserve my credit. 
I spoke with Santander today and they were unreasonable as well as abusive. First. they denied the agreement existed. As you can see from the attached agreement, it existed together with a digital time and date stamp demonstrating when it was entered into. 
Notwithstanding, they then agree I never executed the contract. this was also false as I did so through the application they sent me to sign through which automatically provided them with the agreement upon signature. 
Then I spoke to a supervisor, XXXX, who did not dispute the existence of the agreement, but claimed the extension did not apply to credit reporting. When I told him that the written agreement said no such thing, specifically or generally speaking, and no agent said anything of the sort, he told me it was my responsibility under the FCRA to pay on time. After I told him that was not the point or the law the we were talking about, since they had a contract with me and we were discussing their not living up to their side of the contract, he told me to " Stop playing like you 're the victim! '' and " You are blaming us for everything and do n't think anything is your fault. '' He later alleged that I was accusing Santander of " predatory lending '' and was wrong in stating that the terms of our agreement are construed to favor me here because there is ambiguity and they wrote the contract. He called me litigious and when I told him I had said nothing regarding litigation he became irate and he hung up on me. 

I do n't deserve to be treated by a lender of any kind disrespectfully and I certainly do n't deserve to be spoken to abusively. I was never talking of litigation with the man and only was pointing out what the law is and has been regarding contracts with ambiguous terms through out the country for a long time. Now what I do believe is significant to note is that Santander is the largest lender in the US currently for sub-prime loans of this sort. If any company were to have a motive to keep their customers from improving their credit, its this one that stands to watch customers leave once they can get new loans due to improved credit. I believe you should investigate whether the large number of reports of sub-prime consumers all over the internet facing similar difficulties with Santander is the result of a company policy favoring unyielding credit reporting decisions.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2022-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Experian continues to harassment me with validation request while Ive verified my identity and address on multiple occasions. Please know this is to be regarded as attached to my previous dispute submitted concerning this exact issue and reporting multiple reporting violations. Experian is furnishing fraudulent data and information attaching my information to items that arent mine allowing me to be more susceptible to identity theft. If Im requesting to remove information such as address and personal information that arent mine itsmy right to do so. This is my life, I do not give consent to Experian to furnish house or share derogatory false, fraudulent information meant to defame my character! Only validated, information that I consent to be furnished do I authorize to be displayed on my consumer report!
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (MD)

I previously submitted a complaint about the my account not being updated since XXXX on XX/XX/21. As of XX/XX/21 it was updated to " Paid In Full '' BUT STILL the WRONG amount. It is not hard to reflect the amount actually paid, which was " {$870.00} '' NOT the " {$1900.00} '' it reports.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (CA)

I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and Equifax, XXXX and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

The only time a consumer reporting agency may furnish a consumer report are under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. I Did NOT give you written instructions to furnish this on my credit report!!
Consumer complaint received 2022-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (LA)

I open my account XX/XX/2022 to have it locked on XX/XX/2022 they Told me cause of a transaction with was fairytale I made a XXXX dollar transfer to my XXXX XXXX on XX/XX/2022 and another on XX/XX/2022 only because I didn't have a card for Card at the time so on the XX/XX/2022 I called and ask should my card be arriving soon only to find out they jus sent it off to me that day witch was the XXXX I had to help my daughter purchase a car and I also had other finances to tend to. So I transferred XXXX to my XXXX XXXX account still would had left me a balance of XXXX but the transaction was voided and XXXX mins last I was locked outta my account for suspicious transactions I was told 3-5 business days the first and second week I offered to go to a branch myself with all my verification I was denied that and told give their fraudulent team time witch turn out to be a full month of being locked out long story short I finally got verified by their fraudulent team specialist only to get kicked back out 30 minutes later and told to go to a branch I work 6 days a week 12 hour shifts and I'm XXXX XXXX hours away from a branch I FOUGHT FOR THIS COUNTRY 22 YEARS XXXX TWICE ONLY TO GET KICKED IN MY BEHIND BY MY OWN SOIL NEVER HAD SUCH AS A J-WALKING TICKET IN MY LIFE AND THIS IS WHAT A GOOD XXXX GOES THROUGH BS I WANT MY ACCOUNT CLOSE I SENT IN TWO NOTORIZED LETTERS AND STILL BEING TREATED LIKE XXXX XXXX XXXX BANK IS WHO IM REFERRING TO I NEED HELP ASAP
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (CA)

There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act and 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
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed this debt with Transunion I have sent a validation letter to the company XXXX me a account summary report they wrote account summary report they gave me no Information They know this debt is not mine please investigate. XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently got a late payment ( XXXX ) notice from multiple credit monitoring services. The recent late payment notification was reported by TRANSUNION INFORMATION SERVICES on a closed charge off account ( XXXX  ) that has been closed for over 3 years. This should be impossible. This inaccurate reporting of a late payment on a 3 year old closed charge off account dropped my score XXXX points! Inaccurate reporting is a violation of the FCRA. And the listing of this account as open is coming from TRANSUNION. I disputed this with Transunion asking for this to be corrected and the account deleted. They only deleted the late payment but not the account. Leaving me with a XXXX pt hit on my FICO and now credit reporting services are starting to report me as having a recent late payment when in fact i have not been late in over 2 years. The way this account is being reported is a violation of FDCPA. AND FCRA
Consumer complaint received 2022-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I received a letter dated XXXX XX/XX/XXXX from my credit card company informing me that there is a possibility that your personal information might have been exposed in the Equifax breach announced in XX/XX/XXXX. The letter was sent to my po box in XXXX where I had recently moved to begin a new job. 

From the Equifax website I got inconclusive results when I tried to verify my involvement in their breach. I alternatively got results stating I WAS affected and then that I was NOT affected when I searched their system. Assuming the former to be likely, I filed a claim on XX/XX/XXXX requesting, via the Equifax Data Breach Settlement Claim Summary, enrollment in Option 1, Credit Monitoring for which I would be sent instructions to your email address or your home address.

This never happened. I assumed for the past 3 years that I was receiving their credit monitoring. Only on XXXX XX/XX/XXXX did I receive an email from Equifax informing me that I was not a member of the Settlement class and not eligible for settlement benefits. Their email referred me to a phone number for the Settlement Administrator. 
A phone call to the administrator ( XXXX XXXX XXXX ) resulted in that entitys inability to find my name or social in their list. They gave me a number to call at Equifax, which simply referred me back to the XXXX phone number.

Just for grins I decided to attempt to obtain my free annual credit report online from Equifax. These efforts were also stymied with unexplained failures of their system. After hours on the phone I managed to speak with an Equifax rep, presumably in the XXXX, and she reported that according to Equifax records, my address was still a po box in DC ( actually closed since XXXX when I had moved to XXXX ). This is very strange since the Equifax Data Breach Settlement Claim Summary mentioned above for which I printed my signed copy, gives my correct address in XXXX as of XX/XX/XXXX, and my phone number and email on this form remains the same as it was then. She was unable to give me online access to my credit report but had it mailed to me. 

I also responded to the XXXX Equifax email on the link they provided, but have had no response from them regarding what they want by way of " proof of Class Membership. '' Obviously, Equifax is in no position to monitor anyones credit if they cant even keep our addresses up to date, despite having them in their own legal records, entered in their own system, and corroborated by all the agencies whose data they harvest. The fact that I have gotten no satisfaction from Equifax almost 5 years after my data was compromised, shows them worthy of investigation and stiff fines from the Federal Government.
Consumer complaint received 2022-04-09
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. (CA)

Credit acceptance I did not authorize nor give consent to the following increased being furnished on my Consumer Report. 
XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-09
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-04-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2021 I had called XXXX to cancel my auto policy. When I called the woman I had talked to went through the information, I had told her I chose a different provider to go through for my auto policy. She looked up my account and said I needed no further information she apologized the company didn't satisfy my needs and hung up. For the next 3 months I was harrassed by XXXX with phone call after phone call. Asking me to reinstate my coverage although nobody ever told me of this current balance that I apparently owed. I repeatedly told them no thank you and was finally put on a no call list. I then moved addresses. Being unaware of the mail being sent to my old address. Until I received the debt collector letter the nice people who live in my old house tracked me down to give me this letter. After almost a year of not having coverage with this company I am irate at the fact that they are not willing to work with me.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Today, XX/XX/2022 I entered into a consumer credit transaction with American Express. American Express denied me of my own credit. Pursuant to 16 USC 1691 ( d ) ( 6 ) I, a consumer can not be denied for credit ( only insurance and employment ) after the transaction was already complete with the credit application. Pursuant 15 USC 1601e ( b ) failing to comply shall be liable for punitive damages in an amount not greater than {$10000.00}.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/22 I alerted USAA FSB that there were some unauthorized debits to my account. Since then, USAA has frozen my account and has declined all payments, standing charges, and declines all other transactions. My account is flagged as requiring a specialist but all attempts to contact the bank have failed. I have been placed on multiple holds of 3-12hours, all of which resulted in disconnections.