davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. XXXX XXXX XXXX will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, XXXX Natural Person
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I opened an advanced checking account on XX/XX/2018, and deposited {$10000.00} on XX/XX/2018 in order to meet the new account sign on bonus, it has been half a year since I deposited the money but I havent received any bonus which is {$350.00}, I contacted customer services a couple times, every time they said I am eligible for the bonus but they never send the honus to me, this bank is not reliable!
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

Beginning in XX/XX/2020, I began to get automated phone calls from HRRG. They continue to leave me several voicemails each week from several different numbers. The messages never specify whom they are attempting to contact, but I do not owe anyone any debt due to having filed a Chapter XXXX Bankruptcy.
Consumer complaint received 2023-04-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-23
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have attempted to rectify this in correct address on my credit report for XXXX, equifax, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX and list of Inquiries. 


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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX / XXXX / {$76.00} XXXX XXXX XXXX XXXX XXXX / {$9100.00} XXXX OF XXXX XXXX XXXX / {$440.00} XXXX CARD XXXX XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Turning Point Solutions LLC (CO)

I'm receiving calls before XXXX MST from Advanced Capital Solutions , the call has been received at XXXX MST, also a voicemail has been left, Advanced Capital Solutions has my phone as XXXX and Address as XXXX, CO XXXX , Reference Number : XXXX.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All Debt Solutions Inc. dba: 1st Class Agency (MA)

This plumbing company tried to bill me for 4 hours to unclog a main line in a 3 family I XXXX They were not able to unclog and said I need to hire them to excavate and do a XXXX repair. They said they tried everything. I asked them to use a blow bag. They did not. They asked me to go get a shop vacume so they could try to XXXX out the blockage. When I returned with the vacume he did not try to XXXX out the clog. It was clear to me that I was getting upcharged to do a repair I didn't need.. I had to put my tenants in hotels for the night. The following day another plumbing company used a blow bag and quickly cleared the line. It took less than an hour and about {$300.00}. Do I need to file a 93A complaint for 3x damages?
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (PA)

Charles Schwab representative, XXXX in XXXX took my phone call at XXXX in the afternoon on XX/XX/21, This was an emergency call made because {$810.00} were abruptly taken from my account due to a large hack that happened within the bank! Not only did he keep me waiting for over 40 mins, he failed to connect me with a supervisor who could help resolve my situation immediately. And when he finally did, more questions were asked from me rather than offering a credit, proper investigation and a new debit card. 


Currently my account is negative due to their faulty and abusive consumer Malpractices. This is both abusive and against fair consumer practices. I am at a loss for words and a victim of this predatory bank. 

I have more than enough funds to cover my payments for the month and its unfair and abusive that no resolution is being provided to the consumer. 

XXXX XXXX, offered no solutions for me, and placed me in a complete panic asking me more personal details regarding my account, only to tell me she actually did not work for the bank itself and needed to transfer me. 

My account was hacked last week and a new card was issued and they told me my account was part of a wide hack within the bank itself. 

I am at a loss for words and in a panic as this bank has caused me nothing but distress, loss of funds and more panic.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

The, below, letter explain the situation. 

Good morning : My name is -- - and I am writing this letter to request the XXXX late designation for XX/XX/XXXX be removed from my credit report. Of course, I am prepared to supply justification for my request. First, let me say that the XXXX XXXX late is the only lateness I have with Fay Servicing because I have made every effort to meet my mortgage obligations. 

Now for the justification. In XX/XX/XXXX I took a position on XXXX XXXX, NY. In XX/XX/XXXX I signed a Land Contract Agreement with tenant to rent my home from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX they were to pay a certain balloon amount to purchase my home. ( See Exh. # 1, Land Contract ). 

Unfortunately, these tenants, both lawyers, have turned out to have nothing resembling integrity. Almost from the beginning I have had to hire legal counsel to compel the tenants to pay. ( See Exh. # 2, Judgment of Possession dated XX/XX/XXXX for {$12000.00} XXXX. The amount owed to me at that time included, among other months, XX/XX/XXXX. Also, as you can see from the judgment, the Tenants then had 90 days to pay the amounts owed. So, for quite a bit of time I was paying two mortgages as my rent on XXXX XXXX is approximately {$3000.00} per month. 

The Court granted our motion to escrow rent payments because I doubted they would pay otherwise. If that was the extent of it all I would have been happy, however, after paying the defaulted amount, the tenants immediately went into default again and have made zero payments for XXXX. ( See Exh. # 3, Answer in current lawsuit. Please take note of highlighted sections on pgs. 1 and 2 ). In addition, the tenants have paid nothing for XXXX and will pay nothing for XXXX if their custom continues. The closure of the courts because of XXXX has only exacerbated the problem, however, I have continued to meet ALL my financial obligations. 

Lastly, it is our desire to apply for a mortgage after the sale of our home in a few months. I have spoken with XXXX XXXX about my credit report and, of course, because the Fay Servicing delinquency is so recent it is preventing me from obtaining a desirable loan. Except for the tenants recalcitrant refusal to pay rent I would not have missed any payments with Fay Servicing. 

For all the above reasons please see fit to remove the XX/XX/XXXX XXXX delinquency from my credit reports. The last four numbers of my SS # are -- -. 

Thank you for your consideration. 


Enclosures
Consumer complaint received 2022-05-01
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. (PA)

I have been fighting with the bureaus to remove inaccurate information from my credit report which is hurting my credit and stopping me from being a first-time homeowner. I have even highlighted the mistakes and still came back verified. Inaccurate information can not be verified if it is wrong. I am challenging the credit bureaus with factual information. Please help me to resolve injustice treatment from the credit bureaus whose only job is to keep you with bad items on your report so they can make money. I did not give anyone permission to share or sell my information but the bureaus do it anyway. My next step is a discrimination lawsuit again theses bureaus that are holding my credit and the ability to live a better life in their hands. 

Please help me resolve this matter and make sure that this matter is resolved as soon as possible.
Consumer complaint received 2021-12-01
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: Advantage Credit, Inc. (NV)

On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that Advantage Credit was the company that ran the report. At XXXX, I called Advantage Credit and informed them that I did not request a credit check. I was informed that XXXX XXXX of XXXX mortgage was the person who requested the credit check. XXXX phone number is ( XXXX ) XXXX.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (TX)

My BBVA credit card was charged a {$99.00} annual fee for the upcoming year. I immediately called to close my account and was told the annual fee would be waived since I am no longer keeping the card. A month later, I received a statement still showing the annual fee plus a late fee and interest charges. I am baffled that a credit card company would close an account and still try to charge the annual fee. No other U.S. credit card company operates like this. This is incredibly deceptive and unfair.
Consumer complaint received 2022-05-02
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. (SC)

XXXX XXXX XXXX. Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, XXXX shows XXXX and TransUnion shows XXXX.
Consumer complaint received 2022-05-01
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: CAINE & WEINER COMPANY, INC. (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-01
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. (TX)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.
Consumer complaint received 2019-03-18
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)

In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner
Consumer complaint received 2024-02-27
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-01
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)

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XXXX/XXXX/2021 and XX/XX/2021 but nothing has been done. please help me with this matter.
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IA)

I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (IN)

Someone opened a Montgomery Ward account under my name and wrong address. My ex husband received mail and passed it on to me. I never lived at the address being sued, I also did not open the account. The account # under my name opened falsely is # XXXX Someone purchased a {$450.00} purchase that was shipped to Florida, and Montgomery Ward wants to collect payment from me. I never ordered anything from this company. XXXX XXXX XX/XX/22 I would like this account closed and my credit repaired.