davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

1. My name is XXXX XXXX. I am over the age of XXXX years. I have first hand personal knowledge of the facts stated below. 
2. As of date, XX/XX/XXXX, I have not received any written response to the documents I mailed on XX/XX/XXXX to the person ( s ) named below. The documents mailed and the delivery dates were : Notice of Contract Change - XX/XX/XXXX Settlement Offer - XX/XX/XXXX Notice and Demand For Payment - XX/XX/XXXX Validation Letter - XX/XX/XXXX XXXX. XX/XX/XXXX - Affidavit was mailed to initiate a response from XXXX XXXX Bank. They have not responded and have not been transparent or have had full disclosure between me and XXXX XXXX Bank. 

I, XXXX XXXX, have an existing Billing Dispute that has been recorded. I need this account to cease from reporting until this is resolved. 
The account number is # XXXX in the database of XXXX XXXX Bank.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (MD)

While I was out-of-town, my identity was stolen and used for fraudulent purposes, included among this fraud was a purchase from XXXX XXXX for {$400.00} XXXX I immediately reported to the credit card company ; however, it did not conduct an immediate investigation as required by law. It was months before I atually heard anything from the credit XXXX  company. In the interim, I contacted the company by telephone and was informed that the4 unauthorized transaction was removed from my account. Months later, by letter dated XXXX XXXX, 2022, the company informed me that I was being required to pay for said unauthorized transaction. Consequent, phone calls with the company regarding this issue only resulted promises of further investigation, which were not honored. Recent, phone calls to the company regarding this matter has resulted in me being informed that nothing further will be done about this and that I musty pay. I have been advised to sue and file this complaint.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC. (CA)

I cosigned on a car in in XXXX. Since then I did not receive any correspondance from Santander. The other person on the loan crashed the car in XXXX and I had no idea until I took the other person to court for a seperate matter in XXXX. I never received anything from Santander stating that the car was in an accident and that is was being appraised or anything in regards to the account. I was told by the other cosigner that the insurance had paid off the car in total and there was no balance on the account. Again I was unaware to the issue and had no idea that any of that happened until XX/XX/XXXX when I received a letter stating there was a balance on the account still. I called Santander and requested they stop contacting me immediately in every way including emails, texts, and calls. I kept receive emails even after I requested to not be contacted. I called again in the beginning of XXXX to reiterate that I had already requested to no longer be contacted and I even mentioned to the associate that I was never contacted in regards to the car until XXXX. The associate stated that they did indeed send me all necessary documents. I asked to speak to a manager. I got transferred to XXXX in the executive office. I explained the situation and immediately her responses were cold and rude. She stated that it is a personal problem and that I should figure it out. I mentioned to her that I was not informed when the car was in an accident or at all and she ( XXXX ) stated that they DID NOT have to send me correspondance because they were dealing with the other person on the loan so she blatantly lied to me as well as the associate.
Consumer complaint received 2022-06-16
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. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis credit has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking Genesis credit to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and XXXX.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Union Home Mortgage Corp (MO)

My loan was sold in XX/XX/XXXX by Union Home Mortgage ( XXXX ) to XXXX XXXX. In that transition, I was informed that tax forms with escrow documents and amounts would arrive from both companies for the portion of XXXX that each company was the administrator, respectively. I received the form from XXXX XXXX before XX/XX/XXXX, but I have yet to see any information from Union Home Mortgage. I attempted to sign into my online portal, per the direction of the customer service staff, multiple times. I reset my password on XX/XX/XXXX and was able to download the old forms, but the new one was not accessible yet. Since this date, I have no longer been able to access my account information or get forms related to my loan with UHM. My attorney reached out to the company on XX/XX/XXXX and was advised this information was 'archived ' and that they would have to research and follow up within 20 days. They were to email and mail me these documents. I have yet to receive anything, again, and when I call I do not get a straight answer from customer service. At this point, I risk filing incorrect taxes, with an extra expense to have future amendments completed. I have personally not heard back from XXXX since my attorney reached out to them. No phone calls, emails, texts, etc. to provide communications or updates. I do not trust that they have accurate information or that they properly documented the loan payments I have been making, including managing my Escrow and insurance payments. If excess expenses or audits occur as a result of this error on their end, I will pursue cost recovery for that.
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: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

XXXXXXXX XXXX XXXX card by Synchrony bank routinely ran my credit. I used the card for gas and made large payments to cover the gas every XXXX weeks. After some major car repairs earlier this year XXXX My other credit cards where used to pay my repairs. As a result my balances where high. So after a credit check in XXXX by Synchrony bank they determined my credit score was too low and closed the account. Over time I paid very little interest on this account since I was paying every 2 weeks. These unwarranted credit checking affect my score and closing my account certainly affected my credit again.

Now I am forced to pay interest on a closed account. I asked for interest free payments but they cant do anything until my account is past due ( another potential hit on my credit. This is malicious predatory behavior. Please help
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in document
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DIGITAL FEDERAL CREDIT UNION (TX)

I took auto loan from XXXX. I am paying monthly and double the XXXX. They asked to provide proof of insurance I provided. Then they asked to provide proof that they are lien holders in my insurance, I failed to provide due to being busy in personal works. They imposed a charge of XXXX $ on my loan account, I contacted them they said if I provide lien holder proof they will remove the charge. I made them lien holders and submitted proof to the asked email. 

They are not removing charges I called them multiple times they are saying they did not receive it. I have all the proofs that I sent them this information.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.
Consumer complaint received 2021-11-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I submitted a Borrower Defense Application in 2016 to to discharge my loans. I am always told that my application is being reviewed. Since 2016, abundance of interest has accrued. The balance owed is over {$220000.00} for a XXXX I never received from XXXX XXXX. I have asked Navient to forgive these loans due to hardship. But always told the loans will be deferred, yet interest is accrued.
Consumer complaint received 2021-02-25
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: U.S. Auto Sales Inc. (GA)

On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX / added a demography credit Report per XXXX  XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (UT)

After a post covid flex modification, Caliber has not settled my account. I have continued to make my monthly payments that were agreed to in the modification and am seeing now a new random charge of XXXX which is not related to my monthly payment. This is not my monthly payment and I have called in 4 times and been told that I have money in a suspense account that needs to be applied to my an outstanding random balance and to not make payment unless I want to pay a month ahead. Yet, they now have reported me being late on payment to the credit bureau. This is illegal to report me late if it was a result of covid and the modification process! They also indicated that this mess is all because they said they got a new software system when I was coming out of forbearance. I am at my wits end with this company. Please help me get this resolved and fix the credit reporting.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (GA)

Dear IC System I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with IC System and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided IC System with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. IC System, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. IC System, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. 

The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by IC System. Moreover, a critical issue in the billing statements has come to my attention. 

A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay. 
This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations. 
I request a thorough investigation into both the security fraud concerns and the billing statement error. 
This investigation should include a comprehensive review of my account, along with a XXXX audit, to ensure transparency and validate the financial details associated with my investment. I must also highlight that IC System is attempting to collect a debt I never owed.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I initiated a payment to another party on PayPal. I recently closed my XXXX checking account causing the payment to not occur. Since I had my credit card number saved on Paypal, the company automatically used that as a payment method. I never opted in to allowing my credit card as a backup funding method. I also could not find such an option where I could opt out of this business rule. I find it highly alarming that PayPal gave itself access to use a different payment method than what I selected to fund my payment to that other party.
Consumer complaint received 2022-06-16
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. (AL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 
So to start I didnt even receive any notice from the XXXX XXXXXXXX agency regarding this collection. After I checked my credit karma I discovered the collection on my Equifax account. So I called them and I notified them that I had already gotten into contact with XXXX and paid them the amount due so it shouldnt have been sent to collections months ago. Thats when the agent checked the account and said that I did indeed did pay {$80.00} and some change beforehand and asked if I wanted to pay a dollar to close it out completely. So now that its completely resolved I would like this collection deleted from Equifax credit report.