davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NV)

I called try talking to them and see if they can refinance the car and they denied, it was to expensive for a car payment I was never late on a payment, but my XXXX XXXX so I called and said the car is going to be at this location if ya want to get it back I never had a struggle with them and I comply to make it easy for them. The car payment was really HIGH. 

After I signed up with some company so they can take care of that situation witch they did. I have proof I payed it off. I wanted to ask if it can be taken off my credit history so when I try to apply for a loan that wont come up, or say I did paid it off.
Consumer complaint received 2023-08-18
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. (VA)

I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (AZ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NC)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-08-16
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. (NY)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

In XXXX of 2023 I was supposed to move to California from Georgia, however we soon realized I would not be leaving until late XXXX. I called my leasing company whom told me I would be able to change my address with no changes to my payment. I changed my address in XXXX of 2023 to my parents home in California, at the end of XX/XX/2023 I called my leasing company explaining that I was not moving until XXXX, my following statement from my leasing company included a Sales/Use Tax for roughly XXXX dollars. I was confused where this sales/use tax was coming from and called my leasing company again. I was told it was because my address was changed to California. I explained the situation and what I was told, the representative stated that I would have to call the California tax authority to get the issue resolved. While this is being taken care of I was still paying my monthly car note but did not pay the sales/use tax because it was something I did not agree to paying. I called the California Tax authority and was told there was nothing they could do because my car is not registered in California and that Kia, my leasing company should be able to just remove the sales/use tax from my billing. I called Kia and explained this situation to them when I was once again met with a rebuttal that I just need to pay it and California will give me a refund, I once again called California Tax Authority which they said was not possible. From Monday XX/XX/XXXX to Thursday XX/XX/XXXX of 2023 I received 7 calls from Kia 's finance department stating my account was past due for XXXX dollars, which was the sales/use tax. I gave them a call back XX/XX/XXXX at XXXX am to explain that I was still waiting on a return call from the California tax authority to get the issue resolved. From that call alone the representative said he would put a note on my account to let them know that the outstanding balance was from a sales/use tax. From XX/XX/XXXX after talking to them about what was going on I received 3 calls on Sunday XX/XX/2023, 2 calls on Monday XX/XX/2023, and 2 calls Tuesday XX/XX/2023, and then another 2 calls today Wednesday XX/XX/2023. I called them today XX/XX/XXXX and explained the situation once more, I was then placed on hold for over 30 minutes and then the line disconnected.
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

According to a statement that I received in XXXX, my escrow account had an overage of over {$11000.00}. My taxes and insurances have been paid. I was told I would be issued a check within 30 days. According to the company, a check was issued on XX/XX/23, however this was voided. I was initially told it was returned via the mail ( although sent to the correct address ) then subsequently told it was written for the wrong amount and they actually owed me ~ {$15.00} dollars (? ) more. A new check was being issued and it would be arriving in 10 days. I have called several times since then and have received a variety of answers- had to go through a second verification; making sure all bills were paid on the property ; escrow department needing to approve. As of today, XX/XX/XXXX, the check has not been issued. No one can tell me why. I have made several calls. This is a substantial amount of money and, to be quite honest, I am concerned about this company. Our mortgage was sold to SPS by XXXX XXXX, so did not choose them.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MS)

The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as LVNV FUNDING and I have no legal contracts and Ive given no authorization for the sale of my information. LVNV FUNDING has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, Experian did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with Experian and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and Experian validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and Experian stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and Experian failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with Experian online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and Experian fails to look at the information
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (OH)

I have contacted Experian multiple times and disputed the account with XXXX XXXX XXXX. Each time I have disputed this account the dispute comes back within a day or 3 days. I have recently contacted XXXX XXXX XXXX and I received a letter back stating that they have no knowledge of the account. I forwarded the letter to Experian in and dispute and still the account remains on my report after showing that they have no record of the account.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hi there I sent a dispute out to Equifax round about XXXX pointing out an unlawful Late Payments that were reported by XXXX they are stating that I missed XXXX Months of payments one in XXXX, and XXXX, first off LATE PAYMENTS are illegal to report United States Code 15 1681A ( 2 ) ( i ) says consumer report does not include-report containing information solely as transactions or experiences between the consumer and the person making the report which is me and XXXX, secondly I attached copies of my bank statement showing that they received and accepted payment on the true month my bill was due which I will attach here too which makes them inaccurately reporting info which is not 100 % correct on my consumer report, I havent heard from them and when I checked my Equifax account its saying no disputes in progress maybe you can get to the bottom of this for me
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (WA)

I applied for Security protection on XX/XX/XXXX o with Synchrony Bank, PAYPAL Cards and credit line, oi=n the computer with an agent due to loss of employment. I upload all documents requested for two accounts. I received three different letters on XX/XX/XXXX and XX/XX/XXXX all requesting more information. All information was proved again with new applications as requested by email and finally USPS mail. I followed up by phone XX/XX/XXXX at XXXX XXXX  I was told there was hyet another note saying the application was not dated. This was false. I requested a review and supervisor. I was put on hold and was to pass through to XXXX who had reviewed the application. XXXX dropped me to her voice mail instead of talking to me. I left a detailed Voice mail and my number which they had, I went online to check the status and all my information was deleted and no longer on the system that showed all the uploads. I have letter showing the claim and copied of faxes and emails. I called today and they said I never filed a claim and I must be current to file. I advised I have not missed a payment, paid for the service and filed by upload on XX/XX/XXXX. He said I was not being truthful. I asked for a supervisor and was hung up on. I had provided all documents to the Office of the Insurance Commissioner who directed me to you.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Please see attached to this complaint.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Received text message by my bank alleging an attempted charge of {$1900.00} that was blocked. When I looked where the text message may have came from it was by a numbered email XXXX that is when I suspected scam and I did not open the link.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation.

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information.

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sent Equifax XXXX asking them to stop committing fraud by reporting inaccurate information from the companies that has also been reporting fraud and to keep my account accurate by deleting them item they then sent me a letter saying I have not applied for credit recently I have no credit activity in the past 10 years and I have not lived in the united state or have not been giving a u.s social security number so if this is true based on there saying why do I have a Equifax credit score and credit report
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery Association has entered a lawsuit without validation of debt as requested. I also never signed a legal contract with portfolio recovery Association nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and been provided with nothing but a lawsuit.