davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a car and Santander was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XXXX XXXX went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called Santander and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XXXX, I took my credit report, found that Santander reported lates even after the modification, and even reported 2 lates for XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from Santander! I disputed, and now Santander is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find Santander is not in compliance per the consumer lending regulations.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ORG GC GP BUYER, LLC (CO)

A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OneMain Finance Corporation (TX)

To : OneMain Holdings, Inc. XXXX XXXX. XXXX XXXX XXXX, IN XXXX XX/XX/2022 RE : OneMain Financial Impermissible Credit Report Use To whom it may concern : a Hard Pull against my credit by OneMain Holdings XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX occurred on XX/XX/2022. It was unauthorized. I have attached the disclaimer from XXXX XXXX that states that checking for loans will not hurt my score. 
I am requesting that the unauthorized credit check be corrected, immediately, and reported to XXXX, XXXX XXXX, and XXXX as such. 



XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Copy : XXXX XXXX
Consumer complaint received 2023-01-26
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. (CA)

Hello- I recently submitting identical documentation lists ( social security cards, birth certificates, drivers license, marriage certificate ) to all three credit bureaus ( XXXX XXXX TransUnion XXXX and XXXX ) to initiate security freezes for my XXXXXXXX XXXX XXXX All the documentation that I submitted was accurate, including the spelling of names. Even with a cover letter and list of accurate documentation, the responses I received from two of the three bureaus contained errors or issues. 

From TransUnion, the XXXX XXXX XXXX was correctly created for both minor accounts, but the response letter for XXXX XXXX  has our last name misspelled ( XXXX ) instead of the correct spelling ( XXXX ). Therefore, I assume that the very first record in my minor son 's credit report has his last name misspelled. I attempted to call TransUnion to correct the issue, but doing a phone transfer I was disconnected. I did not try again. 

For XXXX, everything appears to have been completed accurately for both sons with complete names. 

For XXXX, the security freeze was correctly created for XXXX XXXX, but the response letter for my other son states that " we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past XXXX years, or - You have not lived in the United States or have not been issued a U.S. Social Security Number ''. 

And, the XXXX response letter addressed to me did not capitalize my first or last name. 

It is very disturbing that these three credit bureaus are in charge of managing all of our personal data, yet they can not manage to accurately create a credit freeze on a minor account. The lack of attention to detail is terrible.
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (CA)

Letter dated XX/XX/XXXX from Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX www.LMMInc.com Asking for XXXX payment of debt owed on XX/XX/XXXX through Original Creditor : XXXX XXXX XXXX AS Now owed to XXXX XXXX XXXX 

Asking for payment or writing for more information to stop collection.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AR)

I have sent several certified letters this year and last year in regard to the incorrect, inaccurate reporting of this account. Date sent XX/XX/XXXX and XX/XX/XXXX, the XXXX account has been charged of since XXXX and XXXX
Consumer complaint received 2018-04-18
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)

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. Experian also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX and the disputed companies that the inquiries would be removed.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/2019, I received a letter from Citi informing me that both my Checking and Savings account will be closed, as of XX/XX/2019. 

Citi did not share any reasons for the closure and did not allow me to provide any additional information to resolve any concerns and keep the account open. 

For as long as both accounts were open, they have been current and in good standing. I can not imagine why Citi would choose to close my account.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.
Consumer complaint received 2022-08-29
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)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I don't have an employer and I've asked the XXXX, Experian credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by XXXX, Experian. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by Experian and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NM)

I HAVE CALLED ON THIS SUPPOSEDLY OWED DEBT I NEVER RECEIVED THE LOAN OR DID I GET A LETTER. I WAS GETTING THREATENING CALLS FOR THE DEBT AND WHEN I WOULD QUESTION PER MY RIGHTS I WOULD GET YELLED AT OR HUNG UP ON SEVERAL TIMES.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

This company has called repeatedly and I have on recording me asking them to stop calling, mail everything and put me on their do not call list. They still call. The last woman I spoke to said " you're going to keep receiving calls '' after I blatantly asked her to stop calling.
Consumer complaint received 2022-09-01
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: MRS BPO, LLC (OH)

On XX/XX/2022 MRS ASSOCIATES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, MRS ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to MRS ASSOCIATES who is now violating my rights.
Consumer complaint received 2018-04-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We closed on our home XX/XX/2017. We had already paid for homeowners insurance for a full year in advance to closing. Also, my husband is a XXXX XXXX XXXX XXXX XXXX Veteran and so is Tax exempt in Florida. Our loan broker was XXXX XXXX with XXXX XXXX. We informed him up front that we did not want to use Freedom Mortgage. Within 30 days of closing we received a letter stating Freedom Mortgage would be our new mortgagor. We made our payments as described and agreed upon in our contract. However, Freedom Mortgage, cashed our checks and held the money not applying it to our loan. We called them, faxed them, emailed them and hand wrote them using the USPS with certified mail numerous times giving them copies of our contract, proof of tax exempt status, prepaid Homeowners insurance for a year in advance and even had the insurance company verify the insurance status. Freedom Mortgage continued to cash our checks and not apply them to our account and added late charges onto our loan. In fact they reported us as late payments every month on our credit report which has ruined our great credit, caused unbearable stress and embarrassment. We do not know what to do.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

I filed a complaint already and it has been closed. 
On the previous complaint they attached a letter that at one point said I owed them 1 payment that they took out of the security deposit. They sent me that payment back after I called, the reason for this is because XXXX XXXX in XXXX VA paid that amount. I called Ally and they confirmed this and realized they were wrong. 
Ally did fix my credit on XX/XX/21, unfortunately today ( XX/XX/21 ) they put the delinquency back on my credit report. 
Ally has confirmed with me multiple times that ALL payments were made and on time. 
This has wasted a lot of my time and has caused a lot of stress in my life.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

My friend, named XXXX XXXX, asked me to exchange money. He couldn't add his bank information to Paypal account and he needed money there to purchase tickets. He said that he sent me the wire at the same time I sent him money through Paypal. 

He scammed me. The money was never wired to me. I reached out a few times but haven't heard anything back. I have conversations saved and can provide as a proof. 

The money was sent from my Paypal account ( XXXX ) to his account XXXX XXXX ( XXXX ) on XX/XX/2020 in the amount of XXXX EUR. 

Before he scammed me, he sent me his bank information : XXXX XXXX IBAN XXXX BIC XXXX Account Number : XXXX NSC : XXXX Please help me out.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX  passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XX/XX/2022 my mortgage company ( PHH Mortgage ) sent me a letter stating they did not have proof of insurance ( flood/wind ). I live in a condo. I contacted the XXXX  XXXX insurance rep who gave me the info to send in and she also sent the info in. PHH said they did not receive and purchased in insurance on my behalf in the amount of {$410.00}. I contacted PHH and condo insurance rep. We had a 3 way call and all insurance info was sent in once again. On XXXX XXXX PHH refunded me {$280.00} and on XX/XX/2022 PHH refunded me {$130.00}. In mid XX/XX/2022 PHH mortgage sent me a letter stating they do not have proof of insurance ( again ) and would be purchasing insurance on my behalf. I immediately contacted PHH and explained the above and waited on the phone while the PHH rep called the condo insurance rep and was told she sent the proof of insurance again and I would receive a letter letting me this. No letter has been sent to me and now PHH is calling me on the phone and asking for proof of insurance and threatening to purchase insurance on my behalf again. I am at my wits end. I do not know what to do at this point.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

took more than 30 days with my credit dispute i demand they remove the items that i disputed as they have taken more than 30 days.
Consumer complaint received 2022-09-01
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. (CA)

I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Please find attached a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that an Equifax Credit Report was utilized in the decision. I am submitting this request within 60 days of the letter. Please forward a paper copy of my personal credit report.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX, 2022, I received a letter from Bank Of America, XXXX XXXX XXXX, XXXX, DE XXXX via XXXX that had a statement " We've made the decision to close your deposit account ending in XXXX because we're unable to verify your identity ''. 
On XX/XX/2022, I received via XXXX a " Your Adv XXXX Banking statement '' which disclosed an account number and an amount of {$9.00} in negative funds, " ending balance dated XXXX XXXX, 2022 ''. 
I have not ever had any bank accounts of any kind with Bank of America. I do not, nor have I ever had any known transactions or affiliations with this bank or any accounts whatsoever. I do firmly believe this is a case of mistaken identity. I am a practicing medical professional and any claim that I am associated with this debt is fraudulent. On XX/XX/2022, I have filed an FTC identity theft affidavit in response to receiving information to my address for this fraudulent banking account
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (CO)

I have been receiving repeated calls either daily or weekly from various numbers claiming to be Central Portfolio Control. I attempted to reach out once through email, but I was not told anything further about why they are calling me. Sometimes they leave messages and sometimes they do not, but they have never identified themselves as a debt collection agency in any message they have left. Once I received a text message from a different number claiming to be them. I have received no written notification of any kind about why they would be contacting me. I do not have any debts owed.