davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
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. (GA)

I submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 ) specifies and I quote " ( a ) Block. Except 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 of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 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. ( which I also provided ) YET the following account : XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.
Consumer complaint received 2021-02-20
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. (LA)

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX AND XXXX  ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN
Consumer complaint received 2019-06-02
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. (FL)

XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MO)

M & T Bank 's role as a mortgage servicer was terminated effective XX/XX/2017, when I mailed CMRRR a Notice of Rescission rescinding the mortgage on that date the mortgage was not in default and no payments were due. 


After receipt of my Notice of Rescission on XX/XX/2017, M & T Bank has been operating as a debt collector by attempting to collect the rescinded mortgage as if it was in default when it is not in default and in making false representations of the character, amount, or legal status of the rescinded mortgage in violation of the FDCPA.
Consumer complaint received 2018-02-26
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (OH)

In late XX/XX/2017 I applied for a Reverse Mortgage. Everything went smoothly, counseling, in-home Mortgage Review, etc., until the Appraiser took note of the power lines running beside my property. Photo Attached. They wanted a letter from XXXX XXXX XXXX XXXX of the lines stating they were safe and were not a danger. XXXX letter attached. 

I spoke with a different Lender and they provided the actual Underwriting verbiage that pertains to the lines. 

" If the dwelling or related property improvements are located within the XXXX area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe. '' These transmission lines have been here for over 50 years and run thru densely populated areas. I am sure all of the homes were financed. 

After a long silence from the Lender I received a form letter stating insufficient collateral. Copy attached. My home is paid for? 

I have talked with Local, State, and Federal Utility Regulators and no one can understand the reason for denial.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

During the XX/XX/XXXX appliance sales promotion. I purchased three items for delivery on XX/XX/17. The morning of the delivery, I was told only one item was available and the rest would be available until XXXX or XXXX, but I still had to make payments to keep the special financing made during the promotion. 
This promotion for XX/XX/XXXX sales was deceptive, and predatory to get people to get their credit card for items the company knew had prolonged delivery dates. This credit predatory sale was to increase debt use by consumers when no product was truly made available.
Consumer complaint received 2021-11-03
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: OneMain Finance Corporation (IL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on ONEMAIN XXXX Balance {$14000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-02-20
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. (NY)

My loan is included in the Santander Consumer sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? 

There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-20
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. (FL)

I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.
Consumer complaint received 2018-02-26
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: HUNTINGTON NATIONAL BANK, THE (PA)

I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX contacted me via letter on XX/XX/2017 claiming I had pending debt of {$490.00} with cXXXX XXXX. They had attempted to collect a debt that I was not made aware of that it had gone to collections. I requested them to verify debt and they were unable to verify the amount they are claiming I owe. I would like to get this negative remark removed from my report.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

1. Used Chase Visa Card to purchase flights from XXXX to XXXX in XX/XX/2019 XXXX. Flights were canceled in XXXX because of Covid 19.

3. Tried to reach merchant, XXXX, many times. They are unreachable. 
4. XXXX XXXX confirmed I am due a refund as all flights are canceled and XXXX is not allowing US citizens to travel to XXXX. 
5. I placed Chargeback with Chase. Chase denied the chargeback. I appealed to reopen the case. It is reopened but now I can not get an answer from Chase. They will not respond. I have supplied them 30 pages of documents ranging from proof of cancelations, DOT regulations regarding Covid Refunds etc. 
6. I filed a complaint with XXXX XXXX XXXX about XXXX. XXXX can not help b/c XXXX will not respond to their inquiries either. I will file a XXXX complaint against Chase Credit card today,. 

I need help from some govt authority to force chase to give me my money back. Services paid for have been denied. It is fraud to keep my money and somehow chase is perpetuating this fraud.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bought this unlocked cell phone XX/XX/XXXX via the Internet on XXXX ( see receipt attached. ) Immediately after receiving it I used my XXXX & XXXX SIM card into the new phone and turned it on. The new unlocked global phone I received from XXXX did not detect cellular network at all. XXXX & XXXX representative could not resolve the issue. I attempted to return the defective product on XX/XX/XXXX via XXXX website. Seller refused to take it back, provide return shipping label or provide return authorization code, or anything like that. I reached out Bank of America to start a dispute on XX/XX/2018. On XX/XX/2018, Bank of America requested additional documentation about this purchase and also confirmation from local repair store that phone is defective. I asked help from phone repair specialists at XXXX XXXX ( located in XXXX, TX. ) and they explained that they can not repair it and provided written and signed statement ( see attached. ) I provided this documentation to Bank of America in a timely manner. Despite providing all evidence that product shipped to me is defective Bank of America refused to approve my claim.
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-21
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. (NY)

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX N is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I spoke with bank of america back inXX/XX/XXXX for the first time I believe ( Not 100 % certain of date ) and I went to open and account and was informed I had an account with them already opened in XX/XX/XXXX orXX/XX/XXXX ( Can't recall exact year ) I informed them I have NEVER had an account with them. They informed me it was opened online and said an email was listed for me with A name of XXXX. I informed them clearly it was a fraud account. They assured me this would be corrected. They sent me A package to fill out for A fraud report. I filled it out and faxed them back. No response. Today I went into A branch to see if it was resolved and to open an account. They inform me account still shows I owe A balance. How!? I did not open this account!! I need help getting this resolved.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

I am following up on my earlier requests to obtain credits for two line items on Retail Purchase Agreement dated XX/XX/2020 ( deal XXXX XXXX ). As mentioned previously, the blind spot monitor system installed by XXXX XXXX did not work properly, so XXXX XXXX removed the system in XXXX. Secondly, I had waived the Vin Mark Protection at the closing. Please provide documentation and a check for the return of the blind monitor system and waiver of the Vin Mark Protection. 

The amount of {$1500.00} was listed on the Itemization of Amount Financed sheet as Other Charges Paid to Others on Your Behalf. Please provide a breakdown of the items in this category. 

Since I had not received responses to my XXXX e-mails on this subject, I contacted Toyota Financial to determine if there were credits to apply to the loan balance. According to Toyota Financial, there are no credits from the Toyota of XXXX  to process.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.
Consumer complaint received 2022-09-13
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has caused me tremendous anxiety, stress, and financial hardship.