davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, XXXX, Experian ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) Experian ( file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all 3 bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MA)

In XXXX of 2014, I started working for XXXX as a driver. They had a partnership with Santander Consumer USA to provide affordable loans to new drivers with new cars. I was under the impression that it was a monthly lease, and it turns out to be a weekly lease, and the payment is n't even recorded on my credit report. So I end up paying out {$800.00} a month for a XXXX 

I 've contacted Santander Consumer USA and they do n't refinance. I 've looked into an investigation that the Attorney General 's office has done and found that they were offering subprime loans of a predatory nature. The AG 's office has suggested I contact you as well, so I am.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I was contacted by Chase about attempted fraudulent transactions that I didn't authorize during the call the Chase rep sent codes to my phone and somehow retrieved these codes and opened opened an XXXX XXXX account with an XXXX. I received the call at XXXX and these codes came to my phone at XXXX I never requested any codes and never authorized anyone to debit my account. The caller was a Chase Representative because the initial call is logged in their system. I have contacted their fraud department and was told I assisted in being defrauded and I won't be refunded. These debits came from account transfers.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

Multiple inquiries on my credit history have dropped my score severely, and at no time has anyone from the company with which the score was checked informed me about the massive effect hard inquiries have on credit scores. Because I have checked with multiple people about home loans, I 'm no longer able to qualify for a home loan because of the severe impact to my credit score, and I 'm now stuck in a poor living situation for what I 'm told will be at least 2 years.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (GA)

On XXXX XXXX I sent a certified letter informing this company that I was a victim of fraud. They never sent me not one piece of information regarding this erroneous account. On XX/XX/2023 I also sent them a Identity theft report and I have still not heard a word from them. I have gone to XXXX XXXX XXXX XXXX several times regarding fraudulent accounts. I also filed a claim with the XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2024-02-15
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 the credit bureau today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$66.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX XXXX : {$83.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-28
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. (OH)

This evening on XX/XX/2021, I received numerous emails stating that a hard inquiry for a XXXX XXXX XXXX XXXX was made. I never applied for a credit card on this date and haven't for months. I froze all of my credit reports immediately. Any help would be greatly appreciated.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (WI)

I received an offer letter to resolve a past due balance on a totaled vehicle with Santander Consimer USA. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. Santander has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all 3 major credit agencies, and Santander has refused to update and correct the incorrect information currently shown each time. They went so far as to update my XXXX report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I have a safety depoit box at Citibank in XXXX. Due to Covid-19, the bank has been " temporarily closed. '' However, although other banks and businesses in the area have reopened, this bank remains closed and no one has answer as to if and when they will reopen. It is very frustrating for me because I have belongings in that box that I need to access but am unable to. I have called the branch, nearby branches that are open and I even called the 1-800 customer service number but no one has answers. At this point, I need answers and would like to withdraw my belongings and be done with Citibank.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I disputed numerous accounts with XXXX XXXX XXXX and received letter that they were going to delete each account. So after seeing that the accounts were n't being removed I faxed the letters to Equifax to have the said accounts removed. Equifax instead reinvestigated the accounts by sending copies of the letters I sent them to XXXX XXXX XXXX to ask them did they send the letters. After waiting for the investigation to conclude, I noticed that the wording " Consumer disputes - reinvestigation in progress '' had disappeared and has been replaced with " Consumer disputes this account information Collection account ''.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Credit bureau : XXXX XXXX XXXX I noticed some inaccuracies.I previously sent a letter regarding this dispute on XX/XX/2023. 
The Mistakes have not been removed fromy credit report. 
. The below accounts are in fact remain inaccurate and fraudulent should be removed Immediately. 
ThIs account is fraudulently Reported under the following : CALIFORNIA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA CIVIL CODE SECTION 1950.5 ( F ) CALIFORNIA HUD 4350.3 REV-1 ( 7-18 ) US FCRA 1681s ACCOUNT XXXX XXXX XXXX. 
XXXX BALANCE : {$7100.00}
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (MD)

Two events which leads to credit scoring and auto payments impacts. : I believe that I am a consumer targeted in unfair practice by XXXX and its auto lender Exeter Finance. In XXXX  I purchased a XXXX XXXX XXXX  used from XXXX. Due to the urgency of the need of the car to get to work and having very little downpayment cash, XXXX offered a {$2000.00} trade in on my vehicle that was performing badly- towards the cost {$24000.00} purchase. During the XXXX hour, I was faced with signing for a 9 % interest rate. Things snowballed from there when a year later the pandemic hit. I contact Exeter about possible moving 2 payments to the end of the loan, however Exeter customer service would just ask me to update my account information and if ai had any relatives to pay the bill. Since covid, I was XXXX XXXX XXXX and had income cut in half. As I pay the monthly bill, I am still 2-3 months behind and with {$16000.00} left on the loan and I get up to 4 calls per day about the arrears although the company is aware of my stressed and stretched income statue the company will not make any concessions. These 2 events has aided to my credit score Constantine dropping. I live in fear everyday of my car being repossessed and the company lack of assistance. 
Thank you
Consumer complaint received 2024-02-15
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. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file : 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 2020-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

this is in responce to XXXX i have to do it this way because usaa will not respond to me. if i call XXXX XXXX i will get an answering machine and she will not call back. i did not do what they are accusing me of. i did not give out the imformation they are accusing me of. i did access my account to get my account number and routing number. i never spoke to the person receiving the wire transfer. i was aware of the name because that is when i called usaa to secure my accounts. XXXX done nothing to secure my accounts. she interfered in secureing my accounts. i was made aware she did not follow proper protacall. i never got to finish setting up my saving account. i dont remember a DAD. every time i file a complaint usaa puts something different in responding to the complaint. i am short XXXX in my savings account. this bank was corriusponding with someone from XXXX on this matter. they did freez my accounts
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (AL)

On XX/XX/2023 I wrote to Transunion to have some hard inquiries investigated removed they are not mine. I already contacted the company and they told me to get in touch with the Credit Bureau. Which is what I did. I did not give permission for the company to run my credit. Those inquiries were not authorized. Transunion never responded to my investigation and it's been almost 60 days, where is my response. This is unacceptable!
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

My previous Mortgage Servicer, XXXX XXXX, placed me onto a repayment plan that started XXXX. My new Mortgage Servicer, Selene Financing, began officially as my new servicer XXXX. My first repayment was sent to them via USPS certified mail and Selene Financing has since stated that XXXX ) My home is in foreclosure XXXX ) They will not honor the payment plan in place with the previous mortgage servicer as they do not make arrangements of repayment for that many months of past due payments & that I will have to re-apply with them. Then I received a modification application from Selene Financing a few days ago, well over a week after the date it was due to be faxed back to them. This is after I had explained to them that I was not seeking a modification but that I wanted to stick to the repayment plan already agreed to with XXXX XXXX. 
I still have the XXXX payment ready to over-nite to them as they are the same as XXXX XXXX, in that you have until the last day of the month for them to receive it in the month that it is due. But I do not want to send it if they will not confirm and acknowledge my repayment plan made with XXXX XXXX that was already set prior to them taking over my mortgage payments servicing. Otherwise, they will just keep it and state that it is money owed but meanwhile continue on with the foreclosure process.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TX)

I am a teacher by trade and had stopped teaching to take care of my elderly parents who haverecently passed. I had contacted my mortgage company PNC to get a equity loan to survive until I could get back on my feet. PNC stated they do not do equity loans and would need to find another institution to help me. To no avail I could not get loan without a job. I had good credit so I took out a personal loan of XXXX. In XX/XX/XXXX.I contacted PNC again to apply for the HARP loan. I completed all the packet and waited about a month. I was told they did not know I lived in Texas and I was disqualified from the program since I had taken cash out for an AC in XXXX, I then was told about the HAMP, but I needed to be delinquent in my payments so this is MAY now and they needed another packet. School is now out for the summer and I needed to completed another packet.I am now delinquent as they asked. The situation gets worse now I am in foreclosure and today they want XXXX to make 3 months current now. Please Help! This is my home and I plan to stay and live here. I did what they had asked and they are not helping, they are trying to take my home from me. 

Texas
Consumer complaint received 2022-02-04
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

XXXX DEBT opened tradeline on my credit report XX/XX/XXXX however my report show opened on XX/XX/XXXX. 
I called XXXX XXXX XXXX to inquire about this issue and was advised that this is for Viviant Bill from XX/XX/XXXX and they I owe XXXX {$1400.00} plus in fine/etc and will need to pay or settle the account for {$800.00}. I advised them that this is not my account. 

I've never had viviant ring/door camera however I do have XXXX and XXXX with them for some years now. 

I am requesting that XXXX remove this debt from my report. 

I would like to have them removed. I never had an account with XXXX XXXX back in XX/XX/XXXX or ever had an account this is the first I am hearing about this. 

Please have this removed.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.