davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (KY)

Beginning 2021 I had a major XXXX  problem that required a major XXXX I was XXXX XXXX XXXXXXXX  for XXXX weeks was unable to work. Than in XX/XX/2021 I was able to find me a job and go back to work. In XXXX XXXX XXXX hit my household going through my children and husband and wasnt able to work cause had to XXXX I talk to the company a lot of times paying what I could but it wasnt good enough. Now they want all their money.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I sent a dispute letter to Experian on XX/XX/2021. I got confirmation that Experian received my compliant on XX/XX/XXXX. 2021. I still have yet to receive the results of my dispute or if any investigation ever happened.
Consumer complaint received 2022-01-09
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: Santander Consumer USA Holdings Inc. (NC)

I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

We closed our XXXX cable account XXXX of XXXX and we were told a final bill amount to pay. We paid that bill however, XXXX never stopped billing even though the equipment was turned in. We were not aware of a bill until it was on my credit report. I called CCS ( Credit Collection Services ) and advised them that we didnt owe this bill and spoke to XXXX on XX/XX/XXXX. XXXX went in and identified the error and stated that the bill should not be {$430.00} but {$96.00}. I paid the balance in full of {$96.00} on XX/XX/XXXX. They advised that there was nothing else due and that they would reach out to CCS to let them know about the error. Unfortunately, we received a recent bill in the mail from CCS for {$70.00}. Representative XXXX XXXX with CCS stated that XXXX sent this bill over on XX/XX/XXXX. WE DO NOT OWE a balance and the account should have never been reported to collections nor placed on my credit report. I didnt get a bill from CCS until I called from the number that was on the credit report. Please communicate with XXXX and CCS so that this can get resolved expeditiously. At this point I have spent hours trying to get this resolved with no resolution. 

We spoke with XXXX, XXXX and XXXX in billing at XXXX. The ER ticket number from XXXX detailing this issue is XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} I am not aware of this account, I am not sure why it is reporting under my name and report. You should have done your investigation thoroughly and submitted any proof of validation to my address to validate that this account is in fact mine. However, you have failed to provide any proofs. Thus, this account should be removed in accordance to the FCRAs requirements. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX Date of inquiry XX/XX/XXXX I never had signed into this inquiry so deleting this inquiry will be highly appreciated if no proof is presented. 

XXXX XXXX  Date of inquiry XX/XX/XXXX Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

XXXX Date of inquiry XX/XX/XXXX Revise the date shown and the creditor name presented as I believe this may be an error. Verify or delete this promptly from my report. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I suggest you take a look at the date this inquiry is showing. I don't quite remember this day. Please revise it or delete it. 


XXXX XXXX Date of inquiry XX/XX/XXXX Would you please take the time to verify this inquiry and make sure this is 100 % correct in reporting otherwise please extract this from my file. 

XXXX XXXX  Date of inquiry XX/XX/XXXX I am not sure I requested anything during the date shown. Now verify this data and soon have it fixed or deleted from my report. 
XXXX XXXX Date of inquiry XX/XX/XXXX I think this was not intentionally done. Please verify this inquiry along with the date shown or delete this off my credit report. 

XXXX Date of inquiry XX/XX/XXXX Establish a verification of the data presented. I believe it is incorrect so please verify and remove it from my credit report if unable to verify.
Consumer complaint received 2022-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association (MN)

I paid cbsa  in XXXX Oklahoma most of the debt I owe XXXX XXXX  XXXX University XXXX, OK in the amount of XXXX dollars. They said they would report this to the institution and they have not done that after over a month after the payment was made. I told the university and the paid amount is reflected in my account balance of my debit card. They are reporting the amounts paid incorrectly and are not recording the dates paid accurately
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Credit card application was. Made by someone using capitol one I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ct XXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

The law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Collection company suing me wrongfully for an alleged fradulent debt in the amount of {$600.00}. I do not owe this alleged debt to any company. I have tried to validate this debt with the plaintiff 's office after receiving the court notice ; however, I was unsuccessful in reaching anyone from his/her office to discuss the case in detail or request for verification of the debt. I need the actual creditor name and address, the date the alleged account was opened, the contract agreement, the date of the alleged account first defaulted, the date ( s ), and a copy of the collection letter ( if any ) was mailed, etc. At this time, I do not have anything from this law firm ( collection company ) other than pay this debt by them using a court notice, which I disagree with.
Consumer complaint received 2022-01-10
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)

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX
Consumer complaint received 2022-01-09
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: Statewide Credit Services Corp. (NY)

received notification that my credit was checked from STATEWIDE CREDIT SERVICE on XXXX XX/XX/2022 without my consent. I called them to figure out what was going on and they were very rude and hung up. I have had issues with them before as they called my landlord and they shared my personal none public information with the landlords wife and they are both in XXXX XXXX NY thinking the landlord wouldnt tell me. I believe they did this inquiry to found out my new address. These people are violating the law and have absolute disregards to adhering to your department and the Law, and I need this to cease and desist and fined according to the FACT ACT and regulation V. Please advise/ Regards
Consumer complaint received 2022-01-10
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)

Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never 30 nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery keeps calling my cell phone several times a day through the week. I have called them back and spoke to them about recently having a XXXX XXXX Bankruptcy Discharge. The person told me she could see it and said he would talk to her manager about taking me off the call list. That was about a month ago and I still get repeated phone calls several times a week and throughout the day.

The debt was when I was around XXXX  years of age and I am now XXXX  years old. The statue of limitations in the State of Oregon where I am a resident is 6 years on collecting a debt. 

The company needs to cease and desist from contacting me once they receive this complaint.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Inquiry : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry : PXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Open/closed : Closed Status : Paid, Closed. 
Status updated : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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
Consumer complaint received 2022-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

They attempted to collect on a medical debt that is over 4 years old and I requested validation paperwork on the debt, but never received it. Its been over 30 days and I still have not gotten validation of the debt.
Consumer complaint received 2023-06-09
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)

Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in XXXX and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days.

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.