davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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: Santander Consumer USA Holdings Inc. (LA)

I have disputed with Santander on numerous occasions ; however, they did not notate my report to reflect as such. Instead, their response to my previous complaint proved that they need to delete the account entire from all three bureaus. Not only did they mail notices to an address I never lived at ( which is required according to the FDCPA ), they openly stated that they could " report an account as open/charged off ''. An account can not be open and charged off nor can it be reopened and report a missing payment which can have extreme financial injuries and repercussions. According to XXXX XXXX Santander Consumer USA, Santander has previously and continuously refuses to properly investigate and remedy their negligent reporting at the emotional and financial expense of the consumer.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (IL)

These accounts are not mine and they should be removed from my credit file. 
XXXX ) Suntrust account # XXXX Date open XXXX XXXX Balance {$21000.00} XXXX ) XXXX Bank account # XXXX Date open XXXX XXXX XXXX Balance {$38000.00} Loan Amount {$55000.00} Someone stole my information and open these accounts. I have put a fraud alert on my credit file sent in my Identity Theft Affidavit in police report and someone was still able to open these accounts fraudulent.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2018-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (IL)

I Received An Email Stating That I Had Been Approved For A XXXX $ Loan On XX/XX/2018. And In The Email Were Some Of My Credentials, But I Never Signed Up Nor Placed An Application Myself Personally With XXXXd/b/aXXXX. Email Said I Would Be Receiving Funds On XX/XX/2018 But I Dont Want My Bank Account To Start getting Charged Interest Rates For A Loan I Didnt Apply For. I Dont Want This Stuff On My Credit History Report. I Think I Am A Victim Of Identity Theft
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX -Date of inquiry : XX/XX/2XXXX XXXX -Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/2023
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

They used a local attorney to sue me and they received a judgement for {$3300.00}. 
I started making payments in XXXX of XXXX, I made 2 {$50.00} payments ( XXXX and XX/XX/XXXX ). I received notice in XX/XX/XXXX they would be garnishing my wages. They ended up taking {$50.00} more than the judgement awarded. In addition it was PAID IN FULL on XX/XX/XXXX. I disputed with the credit bureaus in the first week of XXXX. They replied back with documents indicating I still owed {$420.00} which is blatantly false as it was not only PAID IN FULL on XX/XX/XXXX, but they had taken {$50.00} more than they were legally allowed.
Consumer complaint received 2022-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (FL)

Student loans with EDFinancial were transferred to XXXX for Processing under the XXXX XXXX XXXX. and are being reported to correctly by XXXX to the credit reporting agencys. But EDFinancial refuses to report the transfer and are reporting the closed loans as open and showing balances for loans they no longer have.Loans transfered XXXX of XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-03-17
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)

I sent a letter last XX/XX/XXXX, to remove these listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2019-01-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$86.00} are reporting on my personal credit file with ( Equifax/XXXX/XXXX  XXXX credit reporting agency . These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2018-12-19
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. (NC)

I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

One of the credit bureau informed I had gotten a new loan from One Main Financial on XX/XX/2021. That is not true. I already have an open loan with them several years ago not a new on in 2021. 
Furthermore, One Main is reporting my balance higher than it actually is.
Consumer complaint received 2018-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Blue Brick Financial LLC (CO)

I have been receiving multiple pieces of mail every week to refinance my mortgage for years. Having recently paid off my mortgage, I am no longer in need of the service and I have started calling each company to have me removed from their mailing list. Most companies have stopped sending me mail, but one still persists - Blue Brick Financial, XXXX # XXXX, CO XXXX # XXXX.
Consumer complaint received 2020-04-28
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2018-10-19
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: TD BANK US HOLDING COMPANY (CA)

I'm a victim of identity theft I've sent the identity theft report and the police report to XXXX and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but XXXX. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for bankruptcy in XX/XX/XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, XXXX XXXX continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with Trans Union and XXXX XXXX XXXX in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent these via certified mail to TU along with a dispute letter. 

Because of the comment furnished by XXXX XXXX XXXX, Trans Union extrapolates, derives, and expands on this information to include, but not limited to the following : Trans Union has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above.

Trans Union continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, Trans Union has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both Trans Union and XXXX XXXX XXXX together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 are reporting on my personal credit file with ( XXXX/Experian/XXXX  ) credit reporting agency. These inaccurate addresses, account and inquiry were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I filed for bankruptcy in XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, Honda Financial continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with XXXX XXXX and American Honda Financial in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from American Honda stating this truth and sent these via certified mail to XXXX along with a dispute letter. 

Because of the comment furnished by American Honda Financial, XXXX XXXX extrapolates, derives, and expands on this information to include, but not limited to the following : XXXX XXXX has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above. 
XXXX XXXX continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, XXXX XXXX has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both XXXX XXXX and American Honda Financial together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports  directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.