davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is refusing to remove outdated negative information from my personal credit report. There are multiple accounts with XXXX XX/XX/XXXX that include late payment history from XX/XX/2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Transunion multiple times yet they refuse to delete this outdated information. They do not list a date of first delinquency on my credit report nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive been so upset since I discovered my tenant stole my information, he made photocopies of my drivers license and social security card. I gave the police all his information and hope he is brought to Justice. In the meantime, Im suffering here! 


On XX/XX/XXXX I sent Capital one a letter with supportive documents letting them know I was a victim of ID theft. 

When I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. 

I filed a complaint with FTC, police and sent Capital One a completely filed out ID THEFT AFFIDAVIT. 

I HAVE FOLLOWED ALL THE ADVICE. I go step by step ensuring I do the best I can as I attempt to navigate name clearing process but I have come to a standstill with a VERY TROUBLESOME I have provided Capital One with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills Then I checked XXXX XXXX XXXX and found out Capital one put a judgement lien on my house I dont know what to do than sue them for the money itll cost to remove it. 

Capital one used Gutter service, also known as sewer service, or when a process server claims to have served a particular person, like myself, when indeed he didnt. 

The result is that the person being sued finds out too late that they were due in court. 

I was never served, I had no idea I need to appear in court and a default judgment was filed. Then a judgement lien was put on my house. 

I first attempted to contact the process service company, however, it was no possible since they stated that person no longer worked there. 
I received a letter from Capital One on XX/XX/XXXX that was so superficial and insensitive that I know I have to sue. 


And on XX/XX/XXXX I mailed Capital One a LETTER OF INTENT TO FILE A LAWSUIT. 

Im suing for the cost to remove the lien they falsely put on my home.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (NJ)

On XXXX XXXX my parents and in-laws were harassed via phone call about my past due car note payment. Personal information about my financial information was disclosed to these individuals without any permission from me. My father, mother, father-in law and mother-in law received phone calls early in the morning. When I contacted the company ( GLS ) and informed them I needed 2 more days to make a payment, the representative did not care to acknowledge my request. She was also very condescending and rude. This company has called me past XXXX at times, they wont stop harassing me. My vehicle was reposed at XXXX the following day. After calling them for information, the representative suggested I wouldnt have enough money to pay. I paid my past due balance of {$1500.00} and picked up my vehicle the same day. I made another payment this month of {$660.00} ( my monthly payment ) and they are still harassing me, it startles my nerves at this point. Please help. It violates US FDCPA laws to harass me and call me past XXXX and to contact my parents about my debt. My rights have been violated, I am only having a temporary financial hardship and will start work soon.
Consumer complaint received 2022-08-29
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX*Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX XXXX charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the account.
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Account ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NV)

To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all. 

Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable. 

On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board. 

This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NY)

I am unaware of this debt reporting as a charge-off on my credit report. I did not have the opportunity to dispute this debt before it was put on my credit report, which is illegal because they did not send me a proper notification. If you truly believe I was aware of this debt, please provide the certified mail return receipt with my signature, proving I received the notification. Or delete the account from my credit report immediately, as it is affecting my life a lot.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (IL)

Equifax recently admitted to giving false scores and that forced higher rates i didn't give them my consent and they violated my privacy and i want it all off of my credit report as a consumer i have rights that protect me from these practices. And want them to be held accountable for there actions.
Consumer complaint received 2022-08-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (CA)

posted debt on to all credit bureaus, without providing me with the original documentation. The Fair credit act allows me to request the documentation to verify and validate. I requested this at the beginning of XXXX 2022, which is over the 30 day mark. I have rights that I have not received with this issue. Also, in California any credit related debt after 3 years can not be collected it is a law.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

This lender-servicing company, Movement Mortgage , has failed to refund to me the annual escrow surplus in the amount of {$7100.00}. I received the required annual analysis on XX/XX/2022 and it stated " Your escrow refund check will be mailed to you in a separate envelope. '' I have called 4 times to report that no check ever arrived : on the first call on XX/XX/XXXX the representative stated that it had been sent and should arrive within the week. On the 2nd call on XX/XX/XXXX, another representative told me the check had never been cut and sent, and could not explain why. On the 3rd call on XX/XX/XXXX, the representative hung up on me. On the 4th call on XX/XX/XXXX, the representative said he would stop payment on a payment issued on XX/XX/XXXX and electronically deposit the funds to my checking account " sometime after XX/XX/XXXX. '' The representative asked to place me on a brief hold and said " XXXX XXXX XXXX XXXX  '' before I was placed on hold and then disconnected. 

They have been withholding my rightful ( and promised ) refund since XX/XX/2022. See attached " ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT '' published on that date.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax, and XXXX. Please remove the 30 day late payments from my credit reports.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian, XXXX, and XXXX. Please remove the 30 day late payments from my credit reports.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX   This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to Equifax, XXXX  & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CT)

Attempted to modify an auto pay amount on an auto loan. Was told I had to un-enroll the current plan in order to re-enroll for a new amount. After un-enrolling the previous plan I attempted to re-enroll at a higher amount at which point I was only given the option of starting the auto-payments two years later ( I had already paid ahead at this point. ) If I wasn't careful I could have potentially skipped multiple payments and accrued quite a hefty amount of interest. This is incredibly deceptive practices on the part of Bridgecrest as most borrowers would likely think it's their lucky day and not realize the deception that had occurred since they were not given the option to set their payment schedule up to pay ahead ( and would not have known this before cancelling the current arrangement. )
Consumer complaint received 2020-09-15
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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-09-15
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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are XXXX XXXX & XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2022-08-16
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: Avant Holding Company, Inc. (AZ)

I received an email in XXXX that a credit card had been opened with this company. I did not open this card, I did more research to find out someone stole my identity. I called this card company to dispute these charges and let this know I was in the process of trying to fix this. But they have denied my claims. I need help in getting these charges off my record and completely closing this card down. I have filed a police report and an IC3 report, this was something the company asked me to do. They are no longer responding to me. I have frozen all accounts and filed complaints with the Federal trade commission and social security admin office. I believe the amount stands at somewhere around {$210.00}. 

Thank you
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

Because of being diagnosed with XXXX XXXX I was forced to break my lease early due to quarantine and travel restrictions to XXXX XXXX in XXXX fl. 
I contacted the the main office but due to covid 19 they would not let anyone in I did finally get to speak to someone in the office through a cracked open door. explained the above to them. and they would pass it on to the proper person. 
i left the apt in perfect condition as good or better than when we rented it. i did not hear back from them till i received a bill for more than three times what i would of expected. again I emailed the to explain the bill and show charges and credit for my deposit. But never heard back. 
Then I started to get phone calls from someone who never identified them selves. some call were as late as XXXX. finally receives an email that i responses to by mail. so far I have not heard back but they reported me to the credit bureau. 
the collection agency is Hunter Warfield -- XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX For XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX   XXXX Ga. XXXX
Consumer complaint received 2022-08-16
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. (NV)

on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, XXXX  and transunion  ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus ( trans union XXXX XXXX XXXX XXXX ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Consumer complaint received 2022-08-16
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. (NV)

on the XXXX of XXXX i sent letters to all three credit bureaus ( equifax, XXXX  and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXE ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.