davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

I tried to refinance an existing mortgage with Santander Bank for a new mortgage with Santander Bank. I got my loan estimate on XXXX/XXXX/XXXX. I was told the process would be done by mid-XX/XX/XXXXat the latest. Due to some unexpected repairs of {$2000.00} each, as well as the fact I WAS ASSURED ON MULTIPLE OCCASIONS THAT THIS THING WOULD CLOSE BY MID-XX/XX/XXXX I stopped making mortgage payments on the original mortgage. Then, in mid-XX/XX/XXXXSantander reported negative information on this loan to all the credit agencies, thereby, ruining my credit and making it impossible for me to start the refinance process over at another bank. Then Santander 's collections department began calling me and threatening foreclosure, as well as mailings. I called and left messages with Santander When is the closing? Now I was assured just 1 more step, all is good, and we will close on XX/XX/XXXX. On XX/XX/XXXX I would get a call from the title company. No call on XX/XX/XXXX, I called title company, they said I was not cleared to close. I call/e-mail Santander again and it turns out the subordination request is not completed, but again, no problem should be done in 24 to 48 hours. Nothing happens over the Holidays. Now I am told the closing is scheduled for XX/XX/XXXX No closing happens. I call the Santander Consumer credit department and they say they need the original of a signed document from me and my wife and this normally takes 2 to 3 weeks. I put in a rush request with that department and spend {$25.00} dollars to overnight the original signatures on the document to this department, all the while trying to explain that, no, I am not an employee I am the customer trying to close on a loan before they foreclose on me. I am told on XX/XX/XXXX ( 71 days after the original loan estimate and agreement to proceed with this, 55 days after the appraisal was done and 42 days after I was assured this thing would close ) that " there is a problem ''. I then send an e-mail expressing my displeasure with all of this and am told the next day ( XX/XX/XXXX ) that, maybe, if we are lucky, the underwriters will approve the loan as long as I bring {$5500.00} to the closing table. I express my displeasure at being treated like that and am told the boss of the employee will call me later in the day. No call. Santander bank employees have lied to me all along the way and been dishonest. I have repeatedly done their jobs and tried to push the process along as best as I could. I wonder many things including but not limited to : Did n't the interest rate lock expire on XX/XX/XXXX? Why did I get a second loan estimate dated XX/XX/XXXX? Why am I repeatedly faxing the same documents over and over again? Why am I doing other peoples jobs? Unacceptable and probably illegal. My lawyer is looking into this.
Consumer complaint received 2018-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (CA)

I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up! 
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX  told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (NY)

In XX/XX/2015, I traded in my PURCHASED XXXX SUV  FOR A XXXX. I PUT DOWN {$5000.00} DOWN PAYMENT. MONTHLY PAYMENTS OF XXXX WERE DIRECT FROM MY XXXX TO M & T BANK. AFTER 5 YEARS, I CALLED THE BANK TO GET A LIEN RELEASE AT WHICH TIME I OWED A LARGE SUM. I SAID " IMPOSSIBLE AUTO DIRECT PAYMENT. '' SEVERAL EXPLANATIONS THAT MADE NO SENSE CAME WAY WITH THE ALLEGATION I SIGNED A CONTRACT FOR 85 OR SOMETHING PAYMENTS. I TOLD THERE MUST BE A MISTAKE AND FRAUDS. I CALLED XXXX XXXX AND THEY GAVE ME A FAKE PRINT OUT JUSTIFYING THE DEBT. THEY LEFT OUT THE DOWN PAYMENT. I HAVE XXXX AND XXXX STATEMENT TO PROVE {$4000.00}. AN EMPLOYEE FROM M & T BANK TOLD ME THE DOWNPAYMENT WAS {$5000.00}. AND THEY REFUSED TO GIVE ME COPY OF THE PURCHASE AGREEMENT OR BILL OF SALE SINCE I COULD NOT FIND DOCUMENTS RELATED TO BOTH VEHICLE AT ISSUE.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XX/XX/XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management (TN)

I called fox collections to resolve a debt. I asked if I could settle with a lower payment. I was told that the original debtor said that they couldn't take a settlement. I spoke with XXXX about a DOS of XX/XX/18 for {$230.00}
Consumer complaint received 2019-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please be advised that you have failed to respond to my dispute letter. I sent this letter registered mail and it was signed and delivered for on XX/XX/2019. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you may know, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I have included a copy of my original request, the dated receipt of your reception of the original letter you have mistakenly placed on my records. 

Please delete the erroneous items from my credit report as soon as possible.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XX/XX/XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (NY)

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Sir/Madam I am writing to formally dispute the following inquiries listed on my TransUnion credit report : 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 XXXXXXXX I request that these inquiries be investigated and removed from my credit report immediately as they are inaccurate and unauthorized. I have not authorized any of these entities to inquire into my credit history. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising my rights under this law to ensure the accuracy and integrity of my credit report. 

I request that you provide me with written confirmation of the removal of these inquiries from my credit report. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (VA)

I received a text message from " XXXX XXXX XXXX XXXX XXXX '' offering payment plan options for a debt I allegedly owe to Indigo Mastercard. I do not owe anything to Indigo Mastercard ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I XXXX  -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " Indigo Mastercard '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.
Consumer complaint received 2021-04-13
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. (FL)

I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

Citi bank sold debt to XXXX XXXX who has attorney XXXX XXXX XXXX filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Works & Lentz of Tulsa, Inc. (OK)

WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (NY)

Company name : ORIONS MANAGEMENT GROU ( Original Creditor : XXXX XXXX ) Date account open : XX/XX/2022 Amount {$1900.00} I was reviewing my Credit report and noticed a fraudulent account that was on my credit report. I called the number that was on the report regarding the account and asked them if they could remove it from my account due to it being a fraudulent account. They stated this is your account. I asked them for the original contract. Within days of me asking for the contact. I received phone calls asking how I want to pay for this balance. I then notified them agian the account is a fraudulent account and the signature on the contract wasnt mine, and i never open this account. Can they remove this from my credit report cause this fraudulent account Is affecting my ability to buy my dream home.
Consumer complaint received 2023-05-04
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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/2021
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

I sent out a DEBT VALIDATION LETTER this company sent me a settlement letter this is NOT a form of validation. This negative impact is stopping me and my son from purchasing a home and i would like for this company to DELETE this account from my credit file.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS
Consumer complaint received 2018-01-14
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: BMW Financial Services NA, LLC (CA)

Hello, i bought a XXXX XXXX XXXX in XXXX XXXX. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.