davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian 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 30 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 2022-04-23
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED / XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXXY Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-11
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. (FL)

XXXX XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Consumer complaint received 2022-04-15
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. (GA)

I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

This company is operating fraud they violated almost 10 federal laws u open a account in my name and got money off me were the title wheres my money this is breach in contract and u force ppl to pay only cash for the bill which is illegal
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX  ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX - XXXX Account # XXXX 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 instructions.
Consumer complaint received 2022-01-28
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. (NY)

Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VYSTAR CREDIT UNION (FL)

I contacted Vystar Credit Union XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from Vystar about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AL)

I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NY)

This PENTAGON FCU XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


PENTAGON FCU XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Because I was part of multiple data breaches from credit card and credit reporting bureaus, I have an alert email that now notifies me of changes in my credit. That is how I learned Citi reduced my available credit for a Co-branded card at The Home Depot. When I called Citi to ask about the reduction, I was treated rudely and told that they had no record of communicating the credit line decrease, when I mentioned I believed there was a regulation that required them to communicate those types of changes the representative got ruder. A couple of hours later, I received an email advising me that they closed my account completely. Unbelievable.
Consumer complaint received 2022-04-12
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. (NJ)

I recently called Transunion about inquiries on my report. For the past few years I have been dealing with several issues after ALL of my information was stolen out of my wallet. Periodically I check on my reports just to make sure things are good. When I called today, I spoke with FOUR different " customer service reps '' who did not speak the greatest English and let them know I had things I didn ; t apply for showing. Each one including a supposed supervisor XXXX, told me almost verbatim " an inquiry is a statement of fact that a creditor pulled your credit file with a permissible purpose allowed by law and can not be removed ''. Well by the 4th representative I was livid. I XXXX  this permissible purpose jargon they kept rattling off and while the last rep XXXX  was going through the whole spill again, I read her what it says that they, the consumer agency need MY written permission to put anything on my report and to somebody they have reason to BELIEVE is going to use it to open a account get a job or insurance. They confirmed for me there is no open accounts! I even have notation on Transunion that I am to be contacted before any thing is opened. I'm telling you that none of that took place and their response is we'll call the companies to see if it did?! How is some company going to tell you I did something when I just told you I did not! These calls had me so livid. I filed my complaint with my attorney general and recorded their calls to forward for my legal representation. The 1st rep told me he didn't even see any inquiries which was a LIE because I was logged in looking at them and he was just trying to get me off the phone.
Consumer complaint received 2022-09-15
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. (FL)

Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lotane & Associates, P.A. (GA)

My complaint is against XXXX and XXXX. Address : XXXX XXXX XXXX, XXXX FL XXXX. 

I was sued by this company in XXXX without proper notification that they were taking me to court. I only received a certified letter after the court date stating that the judge had ruled against me and that my license would be suspended if I didn't contact them immediately to set up payments. At the time I didn't have the extra money to hire a lawyer so I just decided to go ahead and set up payment. I have been paying my payment regularly with only 2 exceptions in almost 10 years but they have sent letter to have my license suspended twice and I have to pay a bigger down payment each time to have my license reinstated. However after 10 years of paying I still owe XXXX. How is that possible? They will not tell you when you call if any of the payment goes to interest and if so, how much. The website doesn't show how much money goes to pay down the balance. 

I called the company on XX/XX/XXXX because when I was paying XXXX payment I realized that somehow I forgot to pay XXXX payment so I called to see if I could pay double to correct the account but was informed that they had already sent a letter for my license to be suspended and that I would have to pay 250 down-payment plus XXXX payment before I can have them re-instated. I asked to speak to a supervisor and was told that she sent a request and someone would call me back. It took 48 hours for them to call me back and when I asked why didn't they give me a courtesy call before they suspended my license since I have been paying on time for years and I just had a lot going on and forgot that month. I was told that they do not call and they could not call or email reminders. 

The harassing tactics they use should be investigated. 1. How can you take someone to court without properly informing them and 2. Why do they have the power to suspend license especially for people who are trying their best to pay.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Property XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX was purchased on XX/XX/2002 for {$100000.00}. The current mortgage is the original mortgage when it was purchased. The current outstanding principal is {$89000.00}. The current AVD as per FNMA is {$220000.00}. That is an LTV of 40.22 %. 
Attached find email correspondence from Shellpoint Mortgage refusing to remove the PMI on the loan. They also refuse to conduct a BPO or appraisal for the removal. 
I have attached the following documents for your review. 
Email from Shellpoint Mortgage Current Statement XXXX  Closing documents Property Details showing current FNMA AVM value Broker Price Opinion
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

MIDLAND CREDIT MANAGEMENT IS REPORTING A FRAUD ACCOUNT ON MY CREDIT. I HAVE ADVISED THEM ITS FRAUD. I ALSO MADE THEM AWARE THE ORIGINAL CREDITOR XXXX REMOVED THE ACCOUNT FROM MY CREDIT IN 2021. 

NOT ONLY IS THIS ACCOUNT FRAUD, MIDLAND CREDIT IS ALSO IN VIOLATION OF THE FCRA. 

THEY ARE REPORTING THE ACCOUNT OPENED XX/XX/2021. THAT WAS OPENED WITH THE ORIGINAL CREDITOR XXXX. THEY HAVE REAGED THE ACCOUNT FOR ONE. SECOND, THEY ARE LISTING THE ACCOUNT WITH PAST DUE WITH A BALANCE OF {$850.00}. COLLECTIONS ARE NATURALLY PAST DUE BY DEFAULT. 

I AM CURRENTLY SPEAKING WITH A LAWYER TO CONSIDER LEGAL ACTION FOR THE FALSE REPORTING OF A FRAUD ACCOUNT.
Consumer complaint received 2022-09-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX - Spoke with XXXX, the office of the CEO at USAA Federal Savings Bank. Car was involved in an XXXX XXXX on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact USAA Federal Savings Bank the week of XX/XX/XXXX and XX/XX/XXXX but USAA Federal Savings Bank refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called USAA Federal Savings Bank with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment USAA Federal Savings Bank has not received payment and are threatening to report my account to the credit bureau even though USAA delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. USAA Federal Savings Bank refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.