davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

1. I assumed a loan from XXXX in XXXX. 
2. Late XXXX early XXXX Aging parent issues and loss of income caused me to hire XXXX XXXX to negotiate a settlement agreement with XXXX. 
3. Filled out the application with XXXX XXXX using current address since XXXX in Maryland. 
4. XXXX sold the debt to Jefferson Capital ( collections ) in XX/XX/XXXX after XXXX XXXX had started negotiations. 
5. Jefferson Capital decided to use my old address in XXXX, PA which I moved from in XXXX. I have not owned the property since. Correspondences were sent to that address which is over 12 years old and was not entered into my application with XXXX or XXXX XXXX. Therefore Jefferson Capital ran my history and intentionally entered the incorrect address, which disallowed proper correspondence. Had they used my address as of XXXX, as noted in line 3, this debt could have been resolved last year and my credit would not have taken as much of a decline. I verified this when I called Jefferson Capital, after I learned through XXXX XXXX who owned the loan, when the XXXX XXXX agent I clarify my address for verification. I gave him the only address I used on any applications since XXXX in Maryland. He said that the MD address was not correct. I finally figured out they used my old address after he told me the city of the old address ( XXXX, PA ). I spoke to a " supervisor '' who stated XXXX XXXX had that address and gave it to Jefferson Capital. I know that's in accurate as I have received all mail from Beyond Finance to my address in MD. I contacted XXXX XXXX and they said the old address is not anywhere on my application. I paid Jefferson my debt, but their practices in this case are deceptive and designed to prolong the debt to increase their interest to collect. This is afoul of current law and abusive practices. Due to their intentional practice of using an address I have not resided at since XXXX, I was never given the opportunity to address the matter as legally provided. I demand this debt be erased immediately and my credit score restored to the equivalent of the points deducted due to their mismanagement and predatory practices. This was not a clerical error in any fashion as my loan was made in XXXX, 10 years after selling the house in XXXX, PA. 

cc : Honorable XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I went to OldNavy store manager of the store apply to their credit card for me but when I realized that their going to make a hurt inquire to my credit score I told to her to take it off right away that I dont want to lose my points on my score. And the lady canceled that application right away but hurt inquire happened and I lost my 4 points of my credit score. Today Im trying to get back my points because the request for credit card didnt go through because I canceled.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (GA)

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XXXX , XXXX, Experian
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MI)

I have recieved a notice from Sequium Asset Solutions on XX/XX/2021 of an illegitimate debt they were trying to collect, ref number XXXX. 

I sent a response challenging this debt via certified mail on XX/XX/2021 they signed and received on XX/XX/2021 stating that I was challenging this debt and to case and remove it from any credit reporting agencies within 30days if they could not provide adequate dated information, payment records, and contact details of someone who had original knowledge of the debt of this collection. I requested all communications be performed via certified mail and I have yet to receive any additional mailings from Sequium. 

Today I was notified of an alert on my credit report that they have opened an account in my name on XX/XX/2021. I believe this is to harvest information illegally and the FCRA has protections against this. They have not responded and this is an illegal attempt to collect a debt even after I requested additional information and a contact to refute the debt. They have not responded to my challenge in any way and I want this to stop. 

This is not the first company to attempt this illegitimate collection and the others who have tried to know this as they ceased collection efforts immediately. I want to ensure Sequium/Comcast does not attempt to sell or continue to pursue this debt as this has been re-sold numerous times and is harassment at this point and it goes against the FCRA guidelines XXXX Before it was sold into collections, a supervisor at XXXX said it would've been handled and removed when this all started as it was their error and this needs to stop.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XXXX/XXXX/2021
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-13
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. (NC)

Hello, I am making a complaint against TransUnion. I have been disputing an account on my credit report that is inaccurate and TransUnion has avoided giving me specific information I have asked for and in return they have failed to properly verify this account. I sent a letter on XX/XX/21 asking TransUnion to investigate an account for accuracy. On XX/XX/21 I was sent a letter stating that this account was verified. On XX/XX/21 I sent a letter stating that I did not agree with the investigation results and asked them to do a re-investigation and to provide the names and addresses of each person with whom they verified the information with, so that I could follow up. ( In which Im entitled to according to the FCRA ). On XX/XX/21 I was sent a response letter stating that the account was verified with no follow up information. On XX/XX/21, I sent a method of verification letter with specific questions asking how the account was verified. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the account was verified, with no follow up information to my questions. On XX/XX/21 I sent another method of verification letter asking the same questions. On XX/XX/21 I received a response letter stating that the account was verified, and again, with no follow up information from the questions that I had previously asked.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (OH)

On my credit report it states that my last payment for the vehicle was XX/XX/XXXX... yet it states the date of loan was closed on XX/XX/XXXX ... .its with Santander . I didn't have a job nor money to make a payment in XXXX. I believe this could be an attempt to hold the loan longer than necessary. I would like to request a look into there practice and confirmation from them verify when exact last payment was made. This is hurting my credit longer than the 7 year period. As I have been making attempts to fix my credit as my situation has improved, and. While paying off the account would not help, this account should fall off sooner than they are reporting. Thanks!
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (KY)

Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. 

I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX  at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. 

I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. 

XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. 

I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX  has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. 

I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. 

I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. 

Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. 

Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (PA)

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OH)

Around XXXX XXXX  XXXX I called Synchrony Bank because I received a notice that I updated my personal information. There was fraud on my account and I had updated my personal information a month or so earlier. I was unable to answer the questions the customer service asked and they would not confirm my information, concerned about the previous fraud I asked them to cancel my credit card with them which they did. I never received any further communication from them. Around XX/XX/XXXX I received a notice that I had around {$3000.00} sent to collections from my canceled credit card. I was not aware I had any balance on the card, nor have I received any mailing, email or phone call concerning any debt. I called Synchrony Bank and they could not tell me what the charges were as the account was closed. I asked if they had billed me for the charges and they said they do not send out bills once an account was closed. I asked how would I pay my final amount if you don't bill and the customer service could not answer. I asked them to send me a bill with detailed charges, and they said they could not because it was in collections. I then called the collections agency, who put in a request to Synchrony Bank to send me the charges. It has been 45 days, the collection agency is calling saying Synchrony has sent me the detailed charges. I have not received any notification and have no way to re-request the charges.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. XXXX XXXX as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " Santander '' a car company that has been sued in a class action suit. Santander sold my account and still tried to collect on the debt that I did not owe as well as XXXX. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to XXXX on XX/XX/2021 and XX/XX/2021 and XXXX retaliated by filing a suit on XX/XX/2021. The plaintiff, XXXX has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser XXXX of the date he account first became delinquent. ( I no longer owe the Santander debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the Santander account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " Santander Consumer USA ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached Santander Lawsuit, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( Santander account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
Consumer complaint received 2022-08-21
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my husband sent {$1800.00} through XXXX from his XXXX banking app. To my Bank of America account. Which we do transfers through multiple times a month. This time it did not go through immediately, although it left his XXXX account right away. And showed the transfer was complete. When going onto my Bank of America app it showed under the XXXX tab as pending for up to 3 days. I immediately called the bank as Ive never seen this before, and they assured me it would go through within 5 days and to call back if it doesnt. 5 days later I still didnt have the money and Bank of America seemed to be confused and had know idea why it still said pending, but assured us that they didnt receive the money from XXXX, so we needed to contact them. My husband called XXXX and was told the money was sent and completed and gave us the confirmation code they had, and said the only option was to file a claim as fraudulent. Which he then did. I called back Bank of America and was transferred multiple times to different departments and supervisors who all had no idea what to do, other then say they never received the money from XXXX and as I was the receiver they could do nothing and was told to have my husband contact XXXX again. So I then called XXXX directly to try and get an answer. They basically said they would do nothing for me because we transferred using our banking apps, not the XXXX app, so we needed to contact our banks, and transferred me back to Bank of America. Who again seemed very confused about the issue and said they could do nothing for us. We contacted XXXX XXXX again and was told the claim was being looked into and they would give us a credit of the {$1800.00} back into our account while they continued the investigation. Which a few days later we did get the money back into the XXXX account, and thought the issue was resolved. A week after that we received a letter from XXXX saying the claim was closed, and showed no fraudulent acts, so they were going to be removing the {$1800.00} from the account in 5 days. We called XXXX back amd was told the claim was closed, because the money showed sent, and there was nothing they could do. After multiple conversations with different supervisors we again were told it wasnt there issue and there was nothing they could do. Calling Bank of America again they said they didnt receive the money and didnt know why it showed pending and could do nothing for us. After a month of going back and forth between banks and multiple calls, we are still out our money. Bank of America says they dont know why but still seemed to try and look into it. As XXXX washed there hands with us and said theres nothing they could do and that was the end of it.
Consumer complaint received 2024-10-15
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.