davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (OH)

SANTANDER IS IN VIOLATION OF THE COMPTROLLER 'S INSTALLMENT LOAN POLICY : On XX/XX/XXXX, Santander Auto CHARGED OFF my auto loan for the XXXX XXXX XXXX that I had with them. 

In XX/XX/XXXX, after months of waiting for my insurance to settle 2 accident claims the vehicle was considered totaled and payment from the insurance company and gap company sent the payments for their portion of the vehicle loan. 

In XXXX, Santander REBOOKED this SAME previously CHARGED OFF loan, began applying interest, fees, and negative reporting to my credit report again. 

IN ACCORDANCE WITH GAAP STANDARDS AND THE FDIC : Re-Booking Charged-Off Loans " When available information confirms that a specific loan or lease, or a portion thereof, is uncollectible, a bank should promptly charge this amount off against the allowance for loan and lease losses. When making a full or partial direct write-down of a loan or lease for the amount that is uncollectible, the bank establishes a new cost basis for the asset. As the bank attempts to recover the loan or lease in a period subsequent to the recording of the direct write-down, the bank may determine that the borrower 's condition has significantly improved or it may obtain additional collateral from the borrower. In some cases when this has occurred, a bank has attempted to reverse the previous write-down and " re-book '' the charged-off loan or lease. Re-booking a charged-off loan is not an acceptable practice under generally accepted accounting principles and, therefore, is not acceptable for Call Report purposes. Consequently, once a new cost basis has been established for a loan or lease through a direct write-down, this cost basis must not be " written up '' at a later date. '' IN ADDITION TO THIS DETAIL : " Pursuant to the Uniform Retail Classification and Account Management Policy guidelines, banks are generally required to charge off certain consumer debt when the debt is 180 days past due. '' FINALLY, AS STATED IN THE COMPTROLLER 'S CREDIT RISK HANDBOOK, ON PAGE XXXX : " Under GAAP, when a bank charges off a loan or lease in part or full, the bank establishes a new cost basis. Once the loans cost basis has been decreased, it can not be increased later. '' Santander charged off my account on XX/XX/XXXX, therefore, they were not supposed to re-open or " re-book '' the loan 4 months later. 

I have never paid on my Santander Loan, nor did Santander ever receive any indication that my condition improved period, let alone significantly improved. In fact, it had diminished, as I was no longer employed. 

SANTANDER IS NOT COMPLYING with the federal standards.
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-04-03
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. (VA)

I am writing to request that you remove the following inquiries from my credit report : 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 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 I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear SPS, My request is not the identity of the " holder '' of my note. My request is for the identity of the party who owns and maintains an unpaid loan account receivable that is due from me to that party. 

I would also question as to how, through a long series of non-legal, void, voidable and possibly fraudulent assignments, did SPS become the servicer of my DOT and XXXX XXXX  become Nominal Mortgage Owner
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Capital One XXXX Capital One XXXX XXXX, VA XXXX XXXX my right by closing my account PLATINUM Account ending in XXXX and NOT telling me or giving me reason why it was closed or an opportunity to fix. 

if i pay balance i lose because my credit profile will be super negative. 
if i pay i lose because they closed my account. 
it is better for me to have an unpaid balance or charge off than to do business with company. 

Capital one XXXX Capital One XXXX XXXX, VA XXXX is FORCING me into poor credit and poor credit score and poor credit profile.

This is OPPRESSION as stated in the constitution ''The fourteenth amendment to the Constitution considered : the right to pursue any lawful trade or avocation, without other restraint than such as equally affects all persons, is one of the privileges of citizens of the United States which can-not be abridged by state legislation.

Remember that the pursuit of happiness, in the Declaration, is not a quest or a pastime, but " an unalienable right. '' Everyone has the right to actuallybe happy, not just try to be happy.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under ABSOLUTE RESOLUTIONS INVESTMENTS and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-06-01
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 2022-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (FL)

I got a letter from RMP ( debt collection agency ) on XX/XX/2023 that I owed over {$1000.00} in medical debt. I called RMP and asked them to provide me an itemized bill & they were very harassing and threatening and not wanting to provide this info. They said I just " have to pay it ''. On XX/XX/2023 I sent a certified letter in response, asking for the following : 1. Agreement with the creditor that authorizes RMP to collect the debt. 
2. Agreement with my signature stating I have assumed the debt.

3. Copies of the debt agreement with the amount and interest.

4. Proof that Statutes of Limitations hasn't expired.

5. Complete payment history with any charges.

6. Their license to collect in my state of Florida.

7. License numbers and registered agent. 
I also advised them that if I didn't get a response from them within 30 days they must stop trying to collect this debt. And their non-compliance would be a waiver of all claims to enforce the debt. 

I never heard back from them until XX/XX/XXXX, where they again sent me a debt collection letter saying that this random " invoice '' validates my debt with XXXX and as a response to my letter. This letter only has an invoice from XXXX with my name, the amount of {$970.00} and a stamp that says this is from a debt collector trying to collect debt. That's it - none of the info I asked for at all. 

I called them and spoke to XXXX who said they " can't speak to me about this debt '' even though I told her 1. They didn't respond within the 30 days therefore the debt isn't valid. 2. I asked for all this other info and she said can't provide it. 3. She lied and said RMP is not a debt collector ( even though I have 3 letters saying they are ). I told her she needs to stop sending me letters and/or trying to collect a debt that RMP CAN NOT validate as mine. I responded within the 30 days and they did not, nor have they tried to validate this debt. I asked her to not report to the credit agencies since they can't validate it and she said that " it's not her decision, it's her client ( XXXX ) 's choice ''. Also- not true seeing as they are a collections agency. 
RMP needs to stop harassing and mailing me debts they can't prove are mine. They are liars and manipulative to try to get me to pay a random invoice with random amounts. I'm reporting them because they failed to stop collecting a debt they can't prove to be mine.
Consumer complaint received 2023-03-23
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. (IL)

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I do not have any debts at all. Midland Credit started calling me non-stop. Initially I called back and told them I do not have any debts. Person confirmed but Midland Credit never stopped calling. They call Saturdays and Sundays and late at night.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX Please remove this fraudulent account in my credit ASAP.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. XXXX XXXX XXXX XXXX represented Calvary in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
Consumer complaint received 2023-10-16
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. (VA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}