davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXXXXX and in doing so 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 : It also states a consumer reporting agency can not furnish a account information without my written instructions.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

I have called Chrysler capital several times regarding an alleged car loan I told them that I was unaware of that loan. Chrysler capital claim that I am legally Obligated to repay the loan in full. I proceeded to call and complain every month due to the damages Chrysler capital has done to my credit report. My credit score went from XXXX to XXXX because of the company refusing to fix the matter. I have fraudulent activity on my credit report because of Chrysler capital.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for XXXX is XXXX. Thank you in advance for your help in this matter.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Hello, I opened this account for the {$300.00} bonus, which has not posted. Please advise. 

I tried to send this message via your website but it appears it no longer accepts secure emails. 

Therefore, I am prepared to conduct all future business via the CFPB if necessary. 

Yours, XXXX XXXX.
Consumer complaint received 2021-04-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

We spoke with PennyMac in XX/XX/XXXX to let them know we were interested in refinancing our mortgage loan. PennyMac scheduled an appointment for us to close on XX/XX/XXXX. However, the notary never showed up, but called us to let us know that PennyMac never forwarded them the necessary documents. We contacted XXXX XXXX XXXX XXXX tge PennyMac loan officer to let him know. He rescheduled a new closing date to XX/XX/XXXX. We signed all of the necessary documents on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, the called us to confirm that all was good. On XX/XX/XXXX, XXXX XXXX contacted us to let us know we needed a new payoff letter thru XXXX from XXXX XXXX XXXX XXXX and that we needed to sign new documents. He scheduled a new closing date to XX/XX/XXXX. Here it is XX/XX/XXXX and no notary showed up and no phone call from XXXX XXXX. We called XXXX XXXX again, but he has no answer for us as to why the notary did not show or why they dropped the ball on us again. We also contacted PennyMac 's 800 number on XX/XX/XXXX, but no one seems to be able to provide any answers for us nor want to resolve the issue we keep having.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello My student loans were discharged ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been discharged. 

As of today, XX/XX/XXXX, these loans remain on my credit report from XXXX. 

The loans have been removed from my credit reports with Experian and XXXX. 

Please assist me to have these discharged, XXXX balance student loans removed from all my credit reports once and for all. 

Thank you.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I have obtained a bill for a date of XX/XX/19 for {$180.00} from ARS. I had advised ARS that this is a XXXX XXXX claim and my workers comp adjuster has reached out to them several times prior for the bill with no response. I had advised this company several times. They were extremely rude yelling on the phone advising they dont need to reach out to my XXXX XXXX claim. advised that it is against the law if they do not collect from the right source. Also advised them they had reported it on my credit and they need to remove it from my credit as it is against the law especially for a XXXX XXXX claim. The representative advised they will not do that. I had advised that i can file suite if they do not remove from credit as i have tried several times to give them the sources to collect debt from the correct party and they refuse to take the information, the representative had hung up on me each time I called. I had called and left messages for supervisors with no response. I need this to be removed from my credit as well as the agency to reach out to XXXX XXXX as my adjuster had been waiting for the bill.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (AL)

This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I already reached out to the credit bureaus and to JPMCB - CARD SERVICE and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (IN)

I have contacted global lending services months ago whereas they had my payment date 10 days before my actual payment date of the XXXX of every month. They had charged me numerous late fees and even 3 late fees in one week ranging in amounts from XXXX dollars to XXXX dollars. I've asked them to review and credit back said fees I've already paid and they refuse. I've contacted them for over 2 weeks now about this and they are just rude and unhelpful. I need this fixed, if you do this to me, who else are you illegally charging?!
Consumer complaint received 2021-07-16
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. (VA)

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is XXXX.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hello - I have been contacting Transunion credit reporting agency for over a week and transferred approximately ten times with no one able to adequately assist or know ANY way to resolve. Each call lasts 4-5 hours. 

I am attempting to get my annual credit report through annualcreditreport.com and services.transunion.com ; however, the system NEVER makes it to the verification questions and keeps generating error messages - " Unable to complete verification ''. After the agency 's general troubleshooting, there is no reason why I should not be able to pull my report. It comes across as the agency attempting to push consumers to the their paid website. The intended purpose of the website is for immediate access to your credit file to determine accuracy and monitor. According to Transunion, the credit report can be mailed ( which in the current mail climate would take almost 30 days and too long to catch errors, if applicable ). If the agency can verify my personal information to mail the report then what prevents them from verifying that same information to correct online access. When I log into Transunion with my user id/password, it says that a report was pulled within last 30 days. Yet, when selecting the link to view prior report, the data lists my pre-populated name ; however, file number and data credit fields are black. Please help so that I am able to check my profile expeditiously without further delay!!! I keep getting the run around. 

I never seem to get to ANY type of verification questions before getting the error screens included below. The only items that I enter are : my name, address, phone & email. Which are correct and included in my account profile.
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2020-10-28
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. (NY)

XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Every view months I view my credit report and I have items that pop up on your credit report that is inaccurate or doesn't belong to you. How can we prevent this from happening??? I have items once again on my credit report that are inaccurate and dies not belong to me.
Consumer complaint received 2021-02-11
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. (LA)

I received my credit report from Equifax and I noticed a derogatory mark from XXXX XXXX XXXX. This account is involved in ligation. I disputed this with Equifax and with XXXX XXXX XXXX. I was not notified on the outcome of this investigation. It has been 30 days.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

bank closed acct per my letter of 6 weeks ago. can not sign on and can not call. Wait times are horrific. never received the funds in acct up to today. have written 2 letters to close and send funds
Consumer complaint received 2023-04-10
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: Security Credit Services, LLC (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

This has affected me as a single dad of XXXX children. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-04-07
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CO)

Hi, Wells Fargo send me a letter, they told me about they closed around three accounts!! This accounts I didnt know I had!! Never saw this accounts in my mobile app, or in my statements, bc I didnt opened!!
Consumer complaint received 2022-04-07
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 2021-07-16
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. (VA)

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX  had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is XXXX.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

Problem concerns a new card which was used for the first time today, XX/XX/2021. I received a text from Citi concerning possible fraud on the card. I responded initially and needed to get some information from my wife to see if charge was legitimate which it was. I called back a second time to release the hold from the card and was unable to do so. I requested to have the card terminated and was told I could not do so. I would appreciate some help in doing so.