davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (NC)

i contacted the Santander in reference to my account in XXXX, XXXX and XXXX because my maturity date kept changing. The company sent me a right to cure which was never received. i know this because i called the company and the representative mentioned this to me. the notice states that i was late on my loan payments. Reviewing the attached, sent tome by the company, Santander USA, it clearly shows i made all monthly payments. This is not a true reflection of my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the attached information shows the dates of payments for said months, sent to me by the Santander USA. In XX/XX/XXXX, the loan was paid off with an overage. i was told that Santander XXXX was sending me a $ XXXX check for this overage but this was never received. This is clearly a problem with accounting as i should have been contacted by phone or XXXX mail at the correct address on the legal and binding agreement i signed at the dealership in XX/XX/XXXX. 
My correct address is on the legal and binding contract signed on XX/XX/XXXX. during the time of the loan Santander USA changed my address by not typing the correct address on any correspondence. 
I also asked why i was not part of the XXXX Lawsuit. " Santander has agreed to pay {$65.00} XXXX in restitution to the XXXX states participating in the investigation. This restitution will compensate certain subprime borrowers who defaulted on Santander auto loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. ''
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone applied for a credit card using the misspelling of my name and my current address. Because of the credit application, a Hard Inquiry is now on my credit report which brought my credit score down. I contacted the credit card company and they agreed with me that it was fraud because they had the misspelling of my name, they didn't have any other information on file for me not even my phone number, and they only had my address. They deleted the application under the misspelled name but they would not take off the hard inquiry. I contacted one of my consumer credit reporting agencies and they said they could not take off the hard inquiry until they get a letter to delete. Also, someone put in an change-of-address with the postal system under the wrong misspelled last name. This caused problems with my mail. I am not receiving my mail.
Consumer complaint received 2018-11-15
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. (AL)

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX  - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (IL)

I got a letter for a debt collector saying i owed XXXX on XX/XX/2017 they threaten me told me that i would go jail ..wait an watch your day are coming ..it said it was laywer from XXXX cty court that i didnt have insurance ..so i tried to get my driver license renew and i couldnt cause they said i owed XXXX to XXXX cty court ..I never received a bill ..i only got calls but nevr any explanations ..so now i have bill of XXXX and i cant renew my license
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (AZ)

I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Excessive harassing calls to all my phone lines. I have XXXX lines and they call XXXX of those lines at least once a day. My daughter is special needs, they call her asking her questions. She was brave enough to tell them to stop calling a special needs person. They keep calling, she doesn't answer. They call my XXXX  mother, who does not speak XXXX, who is XXXX as well. It is too many calls everyday. They need to stop immediately. They use different phone numbers to get through.
Consumer complaint received 2023-03-24
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 am XXXX XXXX and I am submitting this CFPB Complaint to you today to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need you to remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-12
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. (OH)

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2022-07-12
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. (FL)

I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Here is a copy of the letter that was sent on XX/XX/XXXX and recieved by XXXX XXXX on behalf of XXXX XXXX at XX/XX/XXXX at XXXX am according to the us post office records and no removal or response has been made as of XX/XX/XXXX at XXXX est. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC [ XXXX ] XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Regarding Account : # XXXX Reference ID : XXXX Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, RESURGENT CAPITAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : XXXX. XXXX out the balance on this account. 

2. I do not give RESURGENT CAPITAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 

3. I do require you, RESURGENT CAPITAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, RESURGENT CAPITAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on 06/28/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torres Credit Services, Inc. (PA)

TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA The above company reported to XXXX  that I have a {$130.00} unpaid debt in collections. 
I have no unpaid debts in any type of collection process nor have I received any communication from this company.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I placed a temporary lift on the security freezes I had on all 3 credit bureaus in order to apply for a credit card. I had picked a specific date range I wanted the lift to encompass. I received my approval on XX/XX/XXXX for my credit card. On XX/XX/XXXX, I contacted the credit bureaus to have my temporary lift removed and my security freeze reinstated. This was accomplished by 2 of the 3 credit bureaus ( XXXX and XXXX ).  However, after speaking with a representative, Experian advised they could not reinstate my freeze until after the expiration of the date I originally entered on XX/XX/XXXX. Not sure why the other two credit bureaus can accommodate this request but Experian could not, leaving my credit file open to possible misuse.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

I purchased my XXXX XXXX from XXXX and it is being financed by Westlake Services , LLC. dba as Westlake Financial Services on XX/XX/2018. In the last two months this company has not posted the payments to my account in a timely manner. They are processing the {$450.00} the day after it is due date, then stating that the loan payment was received late. I send the money by certified mail every month and can track the date and time when the representative signed it which was on XX/XX/XXXX at XXXX XXXX. 

Apparently, this billing practice is not a concern to them. I honestly feel this is an example of predatory lending at its best. When I send an email or called and spoke to the people in the Billing Department, nothing is ever done and the problem seems to be progressively getting worst. 

Additionally, the payoff amounts do not coincide, as the one on the Billing Statement is much higher than the one listed on their website. Evidently, this is another red flag and should be investigated as well.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC. (TN)

After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.
Consumer complaint received 2022-07-12
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. (AZ)

I NOTIFIED XXXX XXXX ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED
Consumer complaint received 2023-06-24
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$8200.00}.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Im never late with no miss payments, perfect tract record. Mortgage due XXXX of mo. 

XX/XX/XXXX received an increased mortgage payment options due to another shortage in escrow acct. 3rd year in a row ( taxes and insurance barely increased ) Increased over $ 120.59mo I battled with company to find out why because it seemed unjustified until XXXX and accepted their decision saying it was correct. 

Paid new amount {$2400.00} for XXXX payment, turned out to be wrong amount. ( no message or letter saying it was wrong ) Paid same new amount {$2400.00} for XXXX payment then I sent an additional {$65.00} amt to increase it ( before XXXX ) because I figured out it was wrong ( turns out it was still not enough ) ( again no message or letter saying it was wrong ) Received bill for XXXX showing a huge amount due. And received a letter saying if Im having problems please contact them. Seemed weird so I called to make sure this wasn't just a common letter to everyone. Well turns out it wasn't!! 

After over 2hrs on the phone, not only were my payments wrong, the mortgage company charges me 2 late payments and applied my XXXX payment to the escrow deficit without my permission or knowledge!!! 

They have apologized and reversed everything so they say but if I had not pushed the issue, I dont know what would have happened to my loan without great trouble to my credit, housing cost and loan status. I am writing this to make sure an oversight committee reviews their records of mistakes and escrow holdings and use because this is very serious.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/2022, called to report that my Husband had passed away and in going through paperwork found credit card I did not apply for in my name. Asked them if they could mail me the application paperwork and signature card so I could see when it was taken out and what was charged to it. They said they were sorry they did not have access to that paperwork I would have to file a complaint or see an attorney to obtain.