davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX ( please see attachments ) This account attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Experian is still reporting this inaccuracy to my credit profile. 
Please see attachments that I sent in last month with the FTC report and Police Report. I expect this account to be updated and removed from Experian within 24-72 hours. 
Thank you
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

I sent the money to XXXX XXXX. On the XXXX XXXX XXXXXXXX and he did not accept it, and I declined it. When I asked XXXX if he saw it in his account, he said that it did not even show up and sent me the screenshots of the XXXX I uploaded. I also uploaded the transaction of the money being pulled from my account. Never receiving it back. It shows shows me in getting it back, but no money. The amount has not changed. so it shows on my transaction statement that it was refunded, but there is no change in my available balance, so when I called the bank, they said it was already there and that it was not possible that I was not refunded. I find that there is no other way to resolve this than to go above their heads and report them to the consumer finance bureau.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

I requested that the creditor provide validation that this debut belonged to me. In the request I detailed that I needed a the contract that was signed with a wet signature, all documents used in the transaction to verify that the transaction taken place was indeed indeed the person that contract says. I request a complete statement of account and payment history.i also would like the original creditors information to be provided. As I know my consumer right is to be made aware of any inaccurate information, I request this creditor remove this debt immediately if it can not be verified after receiving this notice with all of the above information provided.This account is also reported as charged off and written off. I never received a 1099-C to report to the irs. To my understanding this is illegal and fraudulent. If I am wrong please correct me!
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tulsa Adjustment Bureau (OK)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX attempt to collect a " debt '' from XX/XX/XXXX XX/XX/XXXX -- ref # XXXX attempt to collect a " debt '' from XX/XX/XXXX XX/XX/XXXX -- ref # XXXX attempt to collect a " debt '' from XX/XX/XXXX Original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Radiological Services no longer exists. XXXX  that formed the group have retired. 

Insurance at the time of service was XXXX XXXX. Customer Service pulled claims and shows small amounts for multiple claims that were part of deductible. 

Aggressive calls, refusal to send paper statement, and multiple extremely negative reviews online have led me to question these demands for payment. It appears that Tulsa Adjustment Bureau ( XXXX XXXX ) has found old claims from a business that no longer exists and is getting paid for them. XXXX violations may also be a part of this.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

October 7/ 2024 I mobile deposited a check into Truist Bank checkings accounts and they put a hold on the account. The check was for {$230.00}. with supposedly a 2 day hold. On XXXX I checked my account only to notice a hold on the check until XXXX.. When i found that out i immediately got in contact with Truist, who told me that it was just a regular Fraud check. Furthermore once everything was said and done i waited. Couple days later on XXXX i checked same results. From XXXX XXXX  - XXXX XXXX XXXX  I was constantly calling Truist to check on the updates of my account. During this whole time all ive gotten was the run around, ive been lied to and after speaking with multiple Truist Representatives and Truist Fraud Representatives i realized they had me go do extra steps that was the necessary.. Causing me to wait even longer for my money. The money has been put into the account & they put a hold on my whole account Friday XX/XX/year>. On that same day i was told a request would be put into to my checks issuer and the bank to verify my funds. Today is XXXX XXXX  still no update. NOBODY from TRUIST has called me since i missed an update call on the XXXX. Not to mention the investigator or analyst only called me one time, not bothering to call a second time. Today i also realized that during these 48 hours, even though ive escalated this situation multiple times throughout this whole situation she only decided to try to help me once one Monday, XX/XX/XXXX XXXX and she really didnt help me at all considering she tried to reach out to the necessary parties one time .. with the necessary parties including me.. Throughout this WHOLE ordeal ive been without much needed funds as the area i live XXXX XXXXXXXX XXXX XXXX in was impacted by Hurricane Helene .. Now ive been told, just because of the analyst not really trying to help me the want me to wait an additional 3-5 business days on top on the 11 days ive already waited. Im a out of town XXXX and work XXXX hrs away from my home. My truist account is all i have considering all my work funds go towards rebuilding life back home. The money is in the account and i know Truist has their money from said check .. but their are making me jump through yet ANOTHER hoop when the money is there and hasnt yet been denied or pronounced fraudulent by the issuing company or issuing bank. Personally ive done my research and seen it doesnt take a bank that FDIC insured 11 days to figure out if a check is fraudulent. Ive even given them the contact info of Bank Managers, a Bank Worker & the issuer of my check and they still dont want to give me access to my funds. After this 48 Hr period i was suppose to get my final decision from Truist on whether they would close my account and send the check back or give me access back, they have done neither nor given me any update worth having. NOBODY has a time limit for anything so im basically a sitting duck at their disposal. Only for a XXXX $ check.
Consumer complaint received 2023-03-14
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. (GA)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you,
Consumer complaint received 2024-09-05
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 this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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 2024-10-09
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: SANTANDER HOLDINGS USA, INC. (DE)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Delaware Laws Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws, specifically under Delaware statutes . 

It has unequivocally come to my attention that SANTANDER has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Delaware identity theft laws highlight the importance of consumer consent and the protection of personal information. The Delaware Identity Theft Protection Act, codified under Title 6, Chapter 12B of the Delaware Code, emphasizes the protection of consumer information and prohibits unauthorized access or misuse of such data. Any unauthorized reporting or misuse of my personal information not only violates federal FCRA provisions but also infringes upon the consumer protection standards enforced under Delaware law. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Delaware identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Delawares identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Delaware state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

AFFIDAVIT OF FRAUD I, XXXX XXXX, has being duly sworn, do hereby depose and state the following : 1. Affiant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone XXXX Email : XXXX XXXX. Vehicle Information Make : XXXX Model : XXXX XXXX XXXX : XXXX VIN : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. Description of XXXX In XXXX, I was a victim of fraud related to the aforementioned truck. I was contacted by XXXX in XXXX, who stated the payments were late on the truck. I cosigned this truck in XXXX, and immediately after, the primary signer XXXX XXXX fled the country to XXXX with the truck. I have had zero contact with XXXX XXXX since that day and have never been in possession of the truck. He successfully evaded authorities until XX/XX/XXXX, his whereabouts never known. He never registered the truck, never contacted XXXX for permission, never had insurance, and never refinanced the truck in his name solely, as court ordered. The court then found him in contempt and the case was filed in XXXX, also. ( XXXX no. XXXX. ) XXXX XXXX evaded the courts and never responded, nor followed the court order. The truck was then seized by XXXX XXXX authorities in XX/XX/XXXX ( XXXX no. XXXX. ) XXXX authorities contacted me and I had the car shipped to the states, so that it could be returned to the XXXX dealership for auction. This truck 's late payments have hurt my credit, I had to pay for the police impound and shipping fees, and I am now getting collection letters. The truck was immediately taken across the border and there has been no contact or sighting since XXXX. 


4. Details of Transaction - The transaction involved XXXX XXXX ( now XXXX XXXX ) in XXXX XXXX XXXX in XXXX. The truck was taken over the XXXX border immediately after the paperwork was signed. 


5. Statement of Truth I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. 


XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Opened a Best Buy Citibank credit card through my mother-in-laws Best Buy account using my Social Security number as I needed the credit card I needed to order a refrigerator immediately as mine was down. I am unable to set up auto pay and it says to call. I received the card today and it will not activate online when I tried to call. They were unable to verify me, but did not even ask for a Social Security number they asked for a phone number to which I provided both options. The representative was useless. I also asked for a supervisor who was also useless and said Citibank would call me within 10 business days. How am I supposed to pay a bill When I cant login or activate my card they said I can call and manually make a payment OK? So you will gladly take a manual payment but will not tell me why you can not verify my account and tell me what the issue is. You were able to use my social to open the account but now you can not help me to activate this account. Shame on Best Buy and Citibank.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC (VA)

XXXX XXXX XXXXXX/XX/XXXX RE : NOTICE OF DISPUTE Dear Oliphant USA

I am writing to request validation of a debt that you are attempting to collect from me. I am receiving harassing emails from your agency, even though I have never done business with you.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to request and receive validation of a debt. This means that you must provide me with certain information about the debt, including : The amount of the debt The name of the original creditor A complete payment history Documentation that I agreed to pay the debt Documentation that you have the authority to collect on the debt Please provide me with the following information : A copy of your state license, including license number, that gives you rights to collect in Virginia The name of the person who validates debts at your agency A copy of the audit trail for the debt, including the complete payment history Documentation that I agreed to pay the debt I am also concerned about the harassing emails that I am receiving from your agency. The FDCPA prohibits debt collectors from harassing or abusing consumers. Sending harassing emails is a violation of the FDCPA.

I demand that you immediately stop harassing me and that you provide me with the validation information that I have requested. 

In addition to the FDCPA, you may also want to mention the following laws in your complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA prohibits creditors and debt collectors from reporting inaccurate information to credit bureaus. If you believe that XXXX XXXX XXXX has reported inaccurate information about your debt to a credit bureau, you can file a dispute with the credit bureau and/or file a complaint with the CFPB. 


Thanks, XXXX XXXX
Consumer complaint received 2024-09-05
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. (FL)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
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. (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX these accounts are not mine please delete these accounts immediately. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 States a consumer reporting agency cant furnish an account without my written instructions. Please delete these accounts immediately.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (MI)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter