davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

Notice to agent is noticed to principle, notice to principle, is noticed to agent. 
This is to inform the CFPB that for the past five months Since the month of XXXX and to present day I am still Waiting for Santander Consumer USA to provide me with a signed invoice and a XXXX XXXX Contract The company has denied and refuse to provide me with that signed invoice. And since the company has not addressed my issue, I have asked Santander to set off the account. It seems like the company has no interest, but only to damage the consumer. So, I am taking the time to write another dispute and to settle this account, With XXXX Right of rescission. My decision Is because the company believe that I am dissatisfied with the vehicle. My understanding when I signed that contract with, XXXX XXXX XXXX I did not know I was signing A contract four Credit. I will Be sending A letter Certify mail of my right to Rescission on the date of XX/XX/XXXX I have tried to come into an agreement and keep this account in honor and just to let Santander consumer USA know how can you be satisfied when doing business with a dealership and a bank that likes to commit fraud, to consumers I suggest going back in XXXX when the company committed fraud in the state of XXXX Texas and just because I am a lawful consumer I gave Santander a chance to conduct business if Santander believe the disinformation is inaccurate I suggest searching on the CFPB XXXX Santander consumer USA and there you will see all the fraud you have committed, now you can ask me if I am dissatisfied, your answer couldn't be more clear. nice doing business with you and XXXX bless you and can your company provide the consumer what he's requesting, and your problems will be solved if you feel confused of what documentation I am requesting you should look into your books. And if you feel confused, you should ask XXXX XXXX XXXX, and also just keep in mind in this contract I have an arbitration claw with XXXX XXXX XXXX not Santander consumer USA, those attachments will be under this description giving in this portal thank you
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
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. (MN)

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You instructed me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. Despite my request for validation, it has not been provided. Please update the following accounts immediately : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXEquifax : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously stated, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). Additionally, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : DISCOVER BANK ACCOUNT XXXX Balance {$3000.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Open/closed Indicates the date an account was opened. 
XX/XX/XXXX Account type credit card Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The balance currently reported as past-due by the company holding the account. 
{$3000.00} Highest balance The highest amount that you have owed on an account to date. 
{$3000.00} Monthly payment Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX  ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (CA)

USBank sent me a letter ( XX/XX/year> ) in which they threatened me over XXXX cents that I don't owe them because they are bankrupt and currently in default and committing criminal fraud and a host of other crimes that should result in death penalties for the guilty. Please send the account to collections asap. I literally do not care. Do not contact me again though, send further communication here XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, Equifax, XXXX, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ).

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate sources. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (AL)

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. 
XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-06-25
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

On Monday, XX/XX/2021 I received the following from PayPal, Inc - You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX There was no further explanation as to why my account was being stopped besides this. I was locked out by internet at phone at getting anymore details. Everything on this account is legitimate. I used a gmail, a debit card from my bank, my phone number and social security number. My account was verified with PayPal. I don't understand how they can decide to hold my money for 180 days. I want my money immediately. Paypal has no right to this money as I have done nothing wrong. If I have done something wrong they need to let me know what that is so I can attempt to fix it. I don't believe I have done anything to warrant this action by Paypal. If they don't want to do business with me, that is their choice, but they need to give me my hard legitimately earned money back right now.
Consumer complaint received 2024-07-11
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. (NC)

My Rights have been violated. XXXX refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666XXXX.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After obtaining my consumer report from XXXX and Experian, I have noticed many inaccuracies that I would like to have investigated. Accurate and fair credit reporting is a fundamental right, and the current reporting on my credit file does not comply with this requirement. 

Dispute with XXXX : Incomplete Balance History and Scheduled Payment Information : Since the opening of my XXXX  XXXX  account in XX/XX/XXXX, XXXX has only reported balance history, scheduled payment information, and past due information for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This sporadic reporting is inconsistent and should be regarded as inaccurate. Accurate credit reporting requires a complete and continuous history. 

Inaccurate Delinquency Reporting : XXXX is reporting my account as delinquent for 120 days for XXXX consecutive months. This is inaccurate as a delinquent account status should increase continuously if no payments are made. This incorrect reporting negatively impacts my credit profile and does not reflect the actual delinquency status. 

Dispute with Experian : Inaccurate and Missing Balance Payment Information : Experian is reporting inaccurate and incomplete balance payment information. Specifically : For XX/XX/XXXX, Experian reports XXXX different balances : {$1300.00} and {$1300.00}. 
For XX/XX/XXXX, Experian reports XXXX different balances : {$56.00} and {$1000.00}. 
Inaccurate Payment Dates and Amounts : Experian is reporting incorrect payment dates and amounts : In XX/XX/XXXX, Experian reports a credit balance of {$1000.00}, and in XX/XX/XXXX, the balance decreases to {$680.00} but shows a payment of {$0.00} for XXXX. 
In XX/XX/XXXX, Experian reports a credit balance of {$910.00}, and in XX/XX/XXXX, the balance decreases to {$880.00} but shows a payment of {$0.00} for XXXX. 
Inconsistent Payment Dates : Experian reports a payment date of XX/XX/XXXX for multiple months, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These duplicate payment dates are incorrect and do not match my payment history.

Applicable Laws : Under the FDCPA, specifically Section 807 ( 15 USC 1692e ), it is prohibited to report false information on a consumer 's credit report. The inaccuracies and inconsistencies detailed above violate my rights under this law. Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) mandates accurate and complete credit reporting.
Consumer complaint received 2024-08-20
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: Possible Financial Inc (CA)

In XXXX and XXXX of XXXX  Possible finance decided to report negative information to the CRAs in an extremely short amount of time, without providing me a way to opt out or let alone even inform me that the information would be published. According to 15USC 6802 and -its subsections- as well as 15USC 1681 -and its subsections- my rights have been and are being violated. I have reached out to Possible Finance to send me the 3 disclosures required by law for publishing personal information and they refuse to send me anything, besides friendly reminders that I signed a digital contract that says that they may publish information, not that they shall and especially not in such a rapid time frame. I didnt see anything about signing away my rights to non disclosure. I never got any notices or emails or physical mail with regards to Possible Finances intent to report negative information to my consumer report that was clear and conspicuous. The company Possible Finance is operating in a predatory and punitive manner if my case is any example of how they generally treat their clientele and I would caution anyone to deal with them in any way shape or form.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-11-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (TX)

I've tried many times to fix wrong and false information on my credit report, but it's still there. This bad information is causing me a lot of worry and stress. I want to make it clear that I didn't allow this information to be put on my report. Someone stole my identity and used it.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was charged off on the following date : XXXX : XX/XX/XXXX Equifax : No XXXX XXXX : XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.