davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Credit Control (CA)

Since 2020 I have been receiving bills from XXXX XXXX in XXXX, CA and I've never been able to speak to someone. They had a voicemail set up but nobody ever called back. I've always had Health Insurance and now I received XXXX bills from XXXX XXXX XXXX XXXX XXXX totaling {$900.00}. I do not owe this and nobody is helping me
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my XXXX credit report and two closed accounts on my Experian credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Consumer complaint received 2023-09-09
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. (MN)

in accordance with the Fair Credit Reporting act XXXX Account number : 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX month in XXXX the car was finance at XXXX XXXX ( XX/XX/XXXX ) 26 % interest rate. I have calculated every payment sent to Santander Consumer USA total XXXX as of today. Every payment I made my balance was getting higher not lower. The payments I push I still made payments that month. Santander taking my payments placing them toward the interest of loan or split payments. Some payments I will send certified checks for XXXX still balance not going down requesting extra payments go to principal. Santander say I owe another XXXX plus another 6payments will be {$2900.00} payoff is XX/XX/XXXX. There is a class action lawsuit against them taking advantage customers giving high interest rate. Knowing you will default on loan, file for bankruptcy, late payments, and or vehicle be repossessed. I constantly have file disputes with all 3 Credit bureaus because Santander has reported several time my payments are late when they wasnt. Hurting my credit scores. Just recently my credit was close to XXXX. My credit went down 21pt because Santander reported my payment late for this month and last month. That was corrected but I'm still suffering. XX/XX/XXXX Santander still was saying I owe XXXX. I have send 3 certified letter requesting a audit on my account with audit lawyer. Santander still havent returned my phone calls. Santander threat with certified letter to repossessed the truck final payment XXXX the final payment do not match what is owed XXXX. 

Start sending extra payments XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX Total payments I made XXXX as of XX/XX/XXXX Santander agent XXXX I spoken to on XX/XX/XXXX I requested again audit on account. She states that I paid on record call XXXX interest XXXX principles XXXX late fee Payoff XXXX remaining XXXX total payment on a XXXX car XXXX finally given me information for class action but I learn when I called I wasnt added. Santander has Loan Forgiveness and Car Title and Deficiency Waivers which they are not giving me information about it. 
SantanderconsumerUSA.com/topic/agsettlement.com class action lawsuit New pay off date XX/XX/XXXX XXXX Balance as of XXXX XXXX
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CREDIT BUREAU FAILED TO POSITIVELY VERIFY COLLECTION ACCOUNTS 100 % ACCURACY LISTED BELOW ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (IN)

State Collection Service Inc. is attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy.

The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report.

Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  ) of any sort.

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-05-21
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: Upstart Holdings, Inc. (CA)

I hope this letter finds you well. I am writing to address a matter of utmost urgency regarding an alleged outstanding debt that is being reported on my credit report by UPSTART NETWORK INC. ( Account Number : XXXX ). 

I have recently discovered that this alleged debt, despite being written off, continues to be reported on my credit report, along with the outstanding balance. This practice not only negatively impacts my creditworthiness but also raises serious concerns of potential tax fraud and extortion. 

I firmly believe that reporting a written off debt is a violation of tax regulations and constitutes an attempt to use the credit reporting system as a means of coercion to force me into paying an alleged debt that lacks proper validation. This tactic is not only illegal but also ethically wrong. 

I urge UPSTART NETWORK INC. to take immediate action to remove this alleged debt from my credit report within four business days from the receipt of this letter. Failure to comply with this request will not only demonstrate a disregard for the Fair Credit Reporting Act ( FCRA ) but also reinforce my belief that this reporting is an act of tax fraud and extortion. 

It is essential to reiterate that this alleged debt lacks proper validation and has not been substantiated with adequate evidence. Therefore, its continued presence on my credit report is unjust and damaging to my financial well-being. 

I expect UPSTART NETWORK INC. to promptly review this matter, conduct a thorough investigation into the alleged debt, and provide written confirmation once the debt has been removed from my credit report. The immediate resolution of this issue will help avoid further escalation, legal action, and potential damage to the reputation of your organization. 

I have retained copies of all correspondence, credit reports, and supporting documentation related to this matter for my records. Please direct all communications regarding this issue to the address provided above or via email at XXXX. 

Thank you for your urgent attention to this matter. I trust that you will treat it with the seriousness it deserves, and I expect the removal of this alleged debt from my credit report within the specified timeframe.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had got XXXX  XXXX and miss a few payments and loss my job dis is a loan like a savings account dat u pay too help u rebuild credit not too hurt ur credit it show a late payment on my credit file and it's hurting me rite now
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Equifax continues to report incorrect, inaccurate information about The XXXX accounts on my consumer Credit report. I disputed the Late payments they have and reporting on my consumers report for XXXX, XXXX and XXXX. 
They did not verify the disputed information, instead left the same Late payments that they continue to report and said they updated my report. These payments were never late. My account was in a Deferment status at the time in which Equifax is reporting Late Payments. 
Because of Equifaxs inaccurate reporting and failure to verify, I was denied a home mortgage loan.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

To set up bi-weekly payments on the mortgage, the mortgage servicer charges a {$2.00} fee each time a payment is made - so each month you are charged a {$5.00} a month fee, and on months when three payments were made, you are being charged a {$7.00} fee. This seems like a UDAAP and possible Fair Lending Violation as I am being charged a fee to " pre-pay '' my loan with bi-weekly payments. When another servicer serviced this loan, there was no fee for this service. My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a monthly payment. While I understand there would be a fee if you called in to make the payment on the phone, this is not a convivence fee as you have to agree to auto drafts as per the agreement to set up the bi-weekly payments. 


I have launched a formal complaint with Mr. Cooperover the phoneand the case identification number is XXXX. I have also opened a case with the NC Commissioner of Banks ; the complaint number is XXXX.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I recently refinanced my home mortgage through Amerisave Mortgage. During the closing process, they required that part of my new loan would include the amount of {$10000.00} to pay-off of one of my student loans through a company called " XXXX. '' I tried to explain to them that all of my student loans were in the process of being transferred from Cornerstone to a new loan provider called " XXXX XXXX ''. Despite multiple attempts to alert them of this issue, they incorrectly made the final check payable to " XXXX and XXXX XXXX. XXXX. '' At this point, I can't do anything with this check and Amerisave won't issue a new check to the correct payee. 

Here 's a timeline of events : XX/XX/XXXX : Began Refinance Process with Amerisave XX/XX/XXXX : XXXXmerisave Requested Information about Cornerstone Student Loans XX/XX/XXXX : I alerted Amerisave that my student loans were being transferred from XXXX to XXXX XXXX and I provided documentation to support it. 
XX/XX/XXXX : Refinance Loan Closed XX/XX/XXXX : Disbursement check issued to incorrect Payee ( Cornerstone ) XX/XX/XXXX No resolution from Amerisave despite numerous attempts to contact.
Consumer complaint received 2023-02-18
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. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Consumer complaint received 2021-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7  MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CO)

I received a payment from unemployment and paypal limited my account then had me provide documents to prove I am who I am. I provided the requested documents then went back to check and it said all my documents were wrong. I get on the phone call them they say activity on my account is suspicious and then permanently blocked my account stating they want to make sure I can cover chargebacks or customer complaints ( which have the same XXXX  day limit ) I told them numerous times there is no customers that I use my account for personal to receive money from 1 person and to get government payments and money from my job deposited that's it I've never sold a single thing on that account therefore it is impossible to get a chargebacks or complaints from customers. I also looked where it shows complaints and cases against me and there is 0
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( One Main Financial ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( One Main Financial ) of any sort. 

In regards to The company ( One Main Financial ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( One Main Financial ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.