davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (AL)

I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my Equifax report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my Equifax credit report, as I believe the information is inaccurate and can not be verified. However, Equifax has left these accounts on my report without providing proper verification : Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX  Account Number : N/A Reason for Dispute : NOT MINE FTC Report : I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is XXXX. 

Attempts to Resolve : I submitted a formal dispute to Equifax on XXXX XXXX requesting verification of the accounts listed above. Despite my efforts, Equifax has failed to verify or remove these unverified accounts within the required time frame.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (WA)

XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : WA Incident Date XXXX XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : Phone : XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, WA XXXX XXXX Contribution Ref # : XXXX Email : XXXX Date of Birth XXXX XX/XX/XXXX XXXX Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$850.00} Fee Reversal : {$310.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Settled Settlement Date : XX/XX/XXXX Delete account [ Collection from my credit report, Delete account [ Collection from my credit report, because of multiple violations of the fair credit reporting act. |
Consumer complaint received 2024-10-03
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-03
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. (MT)

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was charged over XXXX in overdraft fees year to date, most of which were charged after transactions were approved and cleared. I did request today a waive of some of the fees due to me being off work on medical XXXX, my direct deposit has stopped and I have not yet received my XXXX check. They did give me a XXXX credit however as a loyal customer I would hope that the bank would be more gracious with crediting some of the money back. I am happy to send the bank proof of being off work from XXXX until XXXX. Please assist
Consumer complaint received 2024-10-03
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. (GA)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Name XXXX XXXX  BANK XXXX Account Number : XXXX Account Name BANK XXXX XXXXXXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-03
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged XXXX XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} - Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} -late/closed XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$XXXX} - Charge off XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (NJ)

My Vehicle was repossessed illegally by Santander Consumer-USA on XX/XX/XXXX at XXXX to which i was present. The Documents used by Santander to claim interest in the collateral are forged with my signature. I have made several attempts at correcting this directly with bank and prior to repossession but bank insists on violating my rights as a consumer as well as FDCPA, FCRA and UCC laws and regulations.

I never signed any documentation in agreement with making any payments to Santander. Consumer-USA The existing contract list incorrect value amounts towards extended warranty inclusive of vehicle total price.

The existing contract was created through fraudulent means by dealership who is no longer in operation. 
It is impossible for there to be 3 different versions of the same contract all displaying contradictory information to be Valid
Consumer complaint received 2024-10-03
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. (IN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery took XXXX percent of my net wages. Which is illegal. They caused financial harm to my family. Asked the court to stop this illegal wage garnishment but this takes time. Meanwhile they are taking XXXX percent of my net income. Making it hard to feed my family. 

Original documents have a different amount than they gave my XXXX  department. They also entered a judgement on the amount after 7 years of owing the money. 

They don't answer their phone. When I finally got through to someone they yelled in my ear pay your bills!!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (WA)

Contributor : XXXX XXXX XXXX XXXX  Contribution Ref # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : XXXX  Incident Date : XX/XX/XXXX XXXX Loss : Contribution Reason : Checking Accoun. XXXX XXXX XXXX XXXXXXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$250.00} Paid/UnPaid/Settled : Paid Fee Reversal : {$290.00} Debt Paid in Full Date : XX/XX/XXXX -Delete account [ Collection XXXX ] from my credit report, Delete account [ CollectionXXXX  ] from my credit report, because of multiple violations of the fair credit reporting act. | Delete account [ Collection XXXX XXXX from my credit report, Delete account [ Collection XXXX ] from my credit report, because of multiple violations of the fair credit reporting act. |
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt Dear, LVNV Funding LLC I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt.

Please send me written verification of the debt, including the following : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice.

4. A verification or copy of the judgment against me, if applicable.

5. The name and address of the original creditor, if different from the current creditor.

Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX under the account number XXXX, an personal loan account from XXXX XXXX XXXX under account number XXXX, an personal credit card from XXXX XXXX under the account number XXXX, an personal credit card from XXXX XXXX XXXX under the account number XXXX, an personal loan from XXXX XXXX under account number - unknown, an inquiry from XXXX XXXX XXXX XXXX, and an inquiry from XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (CT)

I had/have a auto loan with Santander back and was on an agreed payment plan, I requested for lower monthly payments due to hardship but Santander declined XXXX while trying to catch up with my past due payments Santander kept reporting late payments to credit agencies, Santander also closed the loan account citing charge off while I was still making payments. I made a full payment in XXXX and just as I was scheduled to make a full payment in XXXX Santander repossessed the vehicle. I have since not gotten and status of the vehicle and Santander is still to this day constantly reporting late payments, distorting my credit. I believe Santander is abusing the credit system once again.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and found hard inquiries that I don't recognize as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX