davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-08-11
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. (FL)

The 3 credit report agencies have put me on XXXX XXXX XXXX  and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AL)

I have contacted Santander Consumer USA numerous of time regarding my account. I purchased the XXXX XXXX XXXX XX/XX/XXXX. I purchased the car for {$10000.00} ; I made a downpayment of over {$2000.00}, with monthly payments set for XXXX each month. I have had the car 4 years and the balance is more than what I purchased it for. Every payment that I have made went toward interest. The fees were so ridiculous that I had to send in a money order each month to avoid paying an additional fee for using my bank card. I then came into the problem with them saying they have n't received my payments, I ended up having to pay twice for the same month. I then started to making he payments with my card to avoid the problem of them saying they never got the money order, but I was n't able to continue paying the additional fee for using a card. So I sent money orders and they said they did n't get them, but this time I did n't know until I looked at my credit report. it shows that I am past due almost {$2000.00} for 120 days. They did n't call me not 1 time did n't send any letters. I called Santander numerous of times, they basically said there is nothing they can do. That they recently lowered the fee amount for making card payments but regarding the interest and fees I am responsible for those, that my car is up for repossession, and the amount has to be paid in order to remove the repossession order. I called back today XX/XX/XXXX I asked why have n't I gotten any letters, calls, or emails regarding the missed payments. The representative told me that in XX/XX/XXXX my account was sent to XXXX XXXX XXXX and all communications was stopped. They removed my online statements, so therefore I am unable to see what is actually do or anything the information that my online account shows is from XX/XX/XXXX. I called XXXX XXXX XXXX I spoke with one of the lawyers who told me they no longer represent Santander due to the predatory loan practices, they have n't representative them since XX/XX/XXXX, and they do not have any information regarding my account in their system. They never even received any thing from anyone with my name and social. This is ridiculous, Santander is a liar, and a scammer. I will attach the last statement that is on my online account, along with my payment history.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I applied for an apartment in the XXXX XXXX XXXX conn. The credit reporting agencies do not have me down on their credit reporting sites. The apartment complex used a third party to check my credit reports. A debt collector in XXXX. Fla Client Name Date Last Active Orig. Amount Balance XXXX XXXX XXXX XXXX Applicant ) Collection Agency - XX/XX/XXXXCO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX {$390.00} {$390.00}. The above information is all I got from the rental agent that recieved the debt collectors report that I owe XXXX XXXX XXXX. I do not owe any money to XXXX XXXX XXXX. I spoke to the debt collection agency and they are reporting an eligitimate debt. This of course has caused me great harm both monitary and i 'm currently on XXXX trrying to get a job. After talking to them they were unwilling at first to supply and dated information or a copy of the documents submitted by XXXX XXXX XXXX. Then he provided a false date so that it protects him from reporting and old date obviously. Unless he takes the fraudulently created debt it prevents me from obtaining a place to live. Again all three major credit reporting agencies do not have that debt on their files. otherwise it would have been there if I had owed XXXX XXXX XXXX Money. The debt collection agency is committing fraud and has hurt me financially and has prevented me from abtaining employment i would suspect.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Nordstm/TD indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I went into a Chase branch to close a checking account and change the source account of my Chase auto loan automatic payments to a non-Chase account since I am attempting to close the Chase checking account currently linked to my auto loan payments. I was informed that I am unable to make this change in person and that I must fax in a form that can allegedly be found online. Additionally, I was told I should wait to change this information until after my next scheduled payment had been processed. 

On XX/XX/2019, I called Chase customer service for assistance since attempts to access the online form resulted in errors. During this call, I was passed to 3 different representatives, each time being instructed to go to their website to download the same form that resulted in error messages. Finally, the last person I spoke with was able to explain that my loan was associated with something called XXXX. They informed me that as XX/XX/2019, Chase is no longer associated with XXXX and that due to this, I am unable to simply update the account that I would like to pay my auto loan through and would need to apply for a new loan with Chase in order to pay from a different account. I was finally told that I would be sent the form to change the account for the automatic payments and I should receive the form in about 7 business days. 

On XX/XX/2019 I received a letter in the mail from Chase stating " We have enclosed an Automatic Change Agreement for you to complete. '' Unfortunately, there was no form enclosed. I called their Customer Service again on XX/XX/2019 at XXXX XXXX CST to speak to someone about this issue. Once again, I was informed that there is nothing they can do to update my source of payment. After being on the phone for 20 minutes with this representative, I was transferred to a manager who told me they would actually send the form this time. 

Please note, that nearly a month later as of XX/XX/2019 I have yet to be able to cancel my checking account with Chase. Furthermore, as of XX/XX/2019 I will be assessed a {$12.00} service fee for an account I have been trying to close for over a month. 

Forcing me to apply for a new loan and negatively impact my credit just to be able to pay my current loan from a different non-Chase account feels extremely unfair and I feel as though Chase is intentionally delaying my ability to change the source of my payments in order to get more fees from me.
Consumer complaint received 2019-10-26
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. (OH)

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my XXXX report XXXX XXXX ) Trans Union has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NJ)

my account was blocked back in XXXX. Citibank keeps changing the date the account was blocked and although they do, I have letters with the original date that was sent to me back in XXXX. I was told my account would be closed within 30-60 calendar days from XX/XX/XXXX then it became XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and eventually XX/XX/XXXX. it is now XX/XX/XXXX and my account is still closed. was given a date of XX/XX/XXXX that my account would be fully closed and here we are its still open. when I inquired about this they said It was because a pending dispute however I informed them all 53 letter I got in the mail that week said each and every dispute would not be honored and that they were a finished matter. 6 separate representatives have said they have requested the expedition of my account closure. nothing has happened as a result of this. Citibank is now in violation of the statues governed by the Department of Banking and Insurance. this has caused severe and  unrepairable financial damage to myself and my family. Citibank has made no effort to professionally handle this issue and I believe they are doing this because I was wiring {$30000.00} out of my account to pay the second portion of the down payment on the home I was purchasing which I now have not been able to and the first half of my down payment which was non refundable has been kept and I am out that money, which there is no reason this should have happened.
Consumer complaint received 2019-10-26
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. (IL)

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX  data breach..
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

Scott & Associate 's XXXX XXXX XXXX XXXX, TX Re : XXXX XXXX debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XXXX-XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX XXXX of XXXX and XXXX XXXX and XXXX and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to XXXX when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at XXXX and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, XXXX, and Experian requesting them to remove Dept of EdXXXX XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from Experian but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (WA)

On a date in XXXX ( unknown because my online access was closed ) a XXXX personal loan was taken out on my account with out my permission or knowledge. Wells Fargo is threatening to " end the relationship '' by closing my account and sticking me with the amount. I have been unable to successfully avert the impending tragedy that is scheduled for XX/XX/2024 - the " Ending of the Relationship. '' I was told that there is a LESS THAN XXXX  % chance of having that decision overturned. Oh, and by the way, there is a third complaint that I am filing for a XXXX personal loan also taken out on the account. And don't forget about the XXXX unauthorized transfer from my XXXX  XXXX XXXX ( XXXX XXXX XXXX ) account to my Wells Fargo Account. And while we are at it, {$1200.00} of my checking is missing as well. But that will be in complaint # XXXX. So, all totaled up, I am looking at about XXXX - XXXX that Wells Fargo is going to dump off on me and say " see ya! and good luck with collections. '' I am a wits end, furious and frustrated.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (NV)

Last XXXX Bank of the West closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that Bank of the West charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted Bank of the West, branch manager XXXX XXXX from the Bank of the West location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the XXXX XXXX  which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to Bank of the West XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for XXXX  years to this point. Something has changed and people need to be aware of it.
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

Was told that interest accrues daily, and that 's why my additional money is not going to principal. I have been paying the amount required plus extra for several months. The breakdown of money application on the reverse side of each month 's statement does not show anything about additional money being applied to the then current principal.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (GA)

Hello I sent my dispute letters for the accounts and for the hard inquires to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

This alleged debt has been transferred several times and this new collection agency has gone a step further and has sent a bogus account detail statement that can not even be read as a piece of evidence stating it is my debt. This letter was sent to my previous address and since my husband died unexpectably in XX/XX/XXXX I have not pursued this but they have been ruining my credit once again and reporting this as a collection debt. The following documents will support this false allegation.