davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

****THIS IS NOT A DUPLICATE**** CONDITIONAL ACCEPTANCE UNDER PROOF OF CLAIM, AND UCC 11 SEARCH Now comes XXXX, XXXX ; COMPLAINANT and pursuant to Article VI clause 2 of the organic Constitution of these United States of America as per the Supremacy Clause. 

XXXX has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with Wakefield & Associates, to perform to your demands ; and believe that no such verified documentation exists nor has my wet ink signature with your third party company ; XXXX has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document and believes that no such verified documentation exists. 

After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2020-03-31
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: CL Holdings LLC ()

According to my XXXX  and XXXX  Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX  ( according to their notes ). However,  the creditor is unable to verify the debt or provide any documentation.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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: EQUIFAX, INC. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. XXXX, XXXX removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX confirmation XXXX I paid off a balance of {$32.00} to my Comenity - Ultamate Rewards Credit card The due date was XX/XX/XXXX and a payment was made on that day. The following month I received a charge on my card for {$29.00} Fee Charge ( XXXX late pay and XXXX min interest charge ). 
I called to speak to a supervisor and explained I made a payment on XX/XX/XXXX and gave the confirmation number. They claimed I made it at XXXX my time which was XXXX their time ... 15 minutes after their cut off time. This was knew news to me, I was unaware of a " time '' cut off. I only knew of a " date ''. I ask for them to wave it, since I had been great credit with them and I was unaware of a time cut off on the due date. They said they waved my original late fee when I first signed up with them and they would not wave this one. 
I explained my first late charge was due to me never receiving my first statement after initially signing up with Comenity, so I had no idea when my payment was due. 

I closed this account XX/XX/2019. This company is continuing to charge late fee on top of late fee even after the account was closed.
Consumer complaint received 2023-11-27
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. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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: Experian Information Solutions 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 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 2023-11-27
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: Experian Information Solutions Inc. (CT)

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 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One listed my account as late on my consumer credit profile on the following dates : XXXX 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 2021-02-03
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: EQUIFAX, INC. (MI)

I noticed that I was docketed XXXX points from my credit report for disputing alleged debts. I did not receive a reason for the taking away of the point. I like the increase back of my XXXX points docketed without explanation, as required under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The dates of all my payment history were current and I paid about {$2700.00} in payments on the original {$8200.00} balance of the vehicle. I communicated with the dealership and turned the vehicle in because of it being over priced. Credit Acceptance stated that there was balance owed on my credit of {$9200.00} which is incorrect also a repossession appeared on my credit. I requested proof the check from the lending bank and Credit Acceptance never communicated back to me.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hey I am writing to dispute the following in accurate information on my report. 
This item 1. Account XXXX XXXX XXXX  Account number : XXXX And XXXX. Acount XXXX XXXX XXXX Account XXXX : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the XXXX method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX I am Damaged Mentally and physically do the inaccurate information being reported!
Consumer complaint received 2020-01-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud USAA XXXX is a result of ideninity theft USAA did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from XXXX changed USAA last four XXXX changed to XXXX In my letter XXXX was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY USAA never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted XXXX  does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (VA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effectively immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX I don't have the account # s because these accounts do not belong too me.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (TX)

I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

My account is set up for auto-payments monthly. The website states there are up to two day delays in auto-withdrawal for student loan payments. In my dashboard, there is no information about my XXXX withdrawal. It's as if it does not exist. The money has not been withdrawn from my account, though the website says my loans are in good standing and I have no payments due until XXXX. The accrued interest on the accounts has also not gone away with the alleged XXXX payment. 

Further, the website is useless and not user friendly. Customer support is needed for any changes to the account or payment plans, yet the customer service line on average has wait times of 30 minutes to 2 hours.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MO)

Springs Oaks Capital LLC has inserted a collection on my consumer report after I requested the debt to be validated. This correspondence was sent by US mail and email as they requested on XX/XX/2023. I have no choice but to report them to the CFPB. I will also put the cease and desist here.

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved
Consumer complaint received 2023-11-27
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. (PA)

My Name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (CT)

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXXXXXX XXXX - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Incorrect XXXX XXXXXXXX XXXX - Incorrect
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2020-01-22
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. (FL)

XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt
Consumer complaint received 2019-12-18
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. (WA)

IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX XXXX, I have my vehicle financed thru Santander Consumer USA, they are telling me I am behind and that I have 5 missing payments! I sent payments in and I even went to my bank and showed the proof that I have paid with debit card using automated thru a fee with XXXX XXXX, Santander is saying that 5 payments were reversed and that my bank has reversed charges, my bank shows nothing being reversed! So Santander did an audit I faxed papers over showing from bank proof I payed! My bank is showing that Santander was paid and that I am not behind they are threatening repossession of my vehicle! I am just trying to figure out where my money is and that I am current on my loan, I work hard and I made my payments, talked to Santander and they want a letter from bank, bank has turned it over to their resulotion center, please help me keep my vehicle, the bank manager told me about you and said I should file complaint that you can help. This all started in XX/XX/2019, recieved letter from Santander that I was behind and threatened repo, on XX/XX/2019 I had a friend make a payment to keep me from repo and we payedXXXX, and thats my regular payment, I also noticed that my payments arent going to balance but going to interest and not principle of loan,, I agreed to make another regular payment on XX/XX/XXXX, sent another payment, then on XX/XX/XXXX I faxed paperwork from my bank and they still saying Im behind!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.