davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (MS)

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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account ( XXXX ) I am asking you to verify as accurate. Account ( XXXX ) account name : XXXX : account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX ; Account ( XXXX ) account name : XXXX account XXXX : XXXX
Consumer complaint received 2017-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (CA)

i 've been paying for my vehicle ( XXXX XXXX XXXX ) since XXXX. I make my payments regularly each month but my balance was the same ( never moving ). i have records to show for it. the lender ( Santander Consumer ) fixed part of their mistake but now are trying to say that I owe the {$1000.00} from an internal audit they conducted almost two years ago. When i called they said it was from a missed payment almost two years ago and they are just noticing it. according to them I still owe {$9000.00} on a five year loan.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANCO POPULAR DE PUERTO RICO (FL)

POPULAR BANK is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( POPULAR BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POPULAR BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. POPULAR BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from POPULAR BANK for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my 1099-C POPULAR BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! POPULAR BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POPULAR BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of POPULAR BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX. XX/XX/2023.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder. 

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices.

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX ) KIKOFF LENDING LLC XXXX XXXX  If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All XXXX Reserved Without Prejudice
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, XXXX and Transunion ) disputing the late payment on the Closed account with XXXXXXXX XXXX. 

Payments status reflects CURRENT on XXXX and also on Transunion but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Consumer complaint received 2024-06-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (VA)

I am filing a complaint against Absolute Resolutions Investments LLC for their failure to provide proper validation of an alleged debt and for attempting to collect a debt beyond the statute of limitations. Despite my repeated requests, Absolute Resolutions Investments LLC has not provided adequate documentation to substantiate the debt, including the original contract and proof of ownership. They also incorrectly claim that I made a payment on XX/XX/XXXX, which I categorically deny. 

Additionally, the debt in question originated on XX/XX/XXXX, and under Texas law, the statute of limitations for debt collection is four years. As of XX/XX/XXXX, more than four years have passed, making this debt time-barred. 

I request that Absolute Resolutions Investments LLC cease all collection activities and correct any misinformation on my credit report. I also request that regulatory authorities investigate this matter and take appropriate action against Absolute Resolutions Investments LLC for their unfair and deceptive practices.
Consumer complaint received 2024-06-03
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: CITIBANK, N.A. (AZ)

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Soft Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX This is a hard inquiry on XXXX that I did not authorize XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a hard inquirXXXX on XXXX that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX Inquired on XXXX XXXX  Inquired on XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Below are the inaccurate accounts I found listed on 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 XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management stating balance of {$2200.00} Stating account open which is not true Stating as collection account Inaccurate information being reported Midland Credit management also stating different account of {$650.00} Also stating account open which is not true Stating as collection account Inaccurate information being reported
Consumer complaint received 2024-06-03
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: CITIBANK, N.A. (AZ)

Action taken by company was a report of fraud. This was done by me in store at XXXX and the claim was resolved. This was a soft inquiry with a phone taken out in my name. My last name was spelled wrong on the account XX/XX/year> - XXXX XXXX - XXXX XX/XX/year> - XXXX - XXXX  Inquiry XX/XX/year> - XXXX XXXX XXXX XXXX ID Report no action has been taken yet, I did not authorize this card, this was just a soft inquiry XXXX XXXX, XXXX XXXX XXXX this is another soft inquiry I did not authorize XX/XX/year> CITIBANK, XXXX XXXX This is a hard inquiry on XXXX that XXXX did not authorize XX/XX/year> THD/CBNA THD/CBNA, XXXX COURT SQUARE, LONG ISLAND CITY, NY XXXX This is a hard inquiry on XXXX that I did not authorize XXXX XXXX, XXXX  CITIBANK NA, XXXX CITIBANK NA XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NY XXXX These are soft inquiries I did not authorize. I called rent-a-center and they confirmed someone tried to access this in my name. They put this email address : XXXX and this phone number : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

I financed my vehicle on XX/XX/XXXX. My vehicle was repossessed in XXXX of XXXX. Santander Consumer USA continues to report false information about this account to the credit reporting agencies. I have asked all three agencies to verify that the information being reported to them was complete and accurate. Their response of XX/XX/XXXX was that the information provided by Santander was verified as accurate. Santander claims that the date of my last payment was XX/XX/XXXX, which is inaccurate because my vehicle had been repossessed by them a year prior. They also claim that I have a past due balance of {$7600.00}, which is inaccurate because the vehicle was repossessed and shows as a charge off on my report. The XXXX monthly payments I missed in no way equal that amount. They claim that I made a payment in XXXX and XXXX of XXXX for the same amount, {$1700.00}, yet my balance never decreased in XX/XX/XXXX. 
I understand that Santander has had a class action lawsuit against them for this very behavior, yet they still persist to report incorrect information to the credit reporting agencies.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (WA)

Our loan loan was being serviced by XXXX originally which they reported it late on our credit during a COVID forbearance. We had to file a complaint back a few months ago to remove the late payments which has been fixed. 

The loan was transferred to Mr. Cooper during the forbearance. It took months to get Mr. Cooper to finalize the forbearance but when it was finalized they claim to have sent mail regarding the terms. They told us to call which we did several times to confirm the final details of the forbearance ending but they continued to tell us we had to wait because it was also too new in their system. 

We logged in yesterday to see the account and it showed it was 30 days past due. We called and they claim the forbearance was finalized as a COVID forbearance and the first payment after the forbearance would be XX/XX/XXXX but we weren't notified. They claimed to have mailed us but we haven't seen the mail and for the first few months they took the loan over they promised our credit would be protected due to the COVID forbearance and the recent servicing transfer but now they're saying the two protections ended and they're going to report late. 

We don't understand why we're under short timelines to finalize a combined COVID forbearance and servicing transfer. We made the payments to get the mortgage caught up but we believe the servicer, who couldn't give any answers for the first 60 days we were notified of the transfer should be giving us grace on the reporting. We proactively contacted them several times hoping they would have clear answers and they didn't. Instead, they promised we would be protected, never called back and claim we were notified with mail only which we didn't receive. They are also claiming the credit protections for the servicing transfer and the COVID forbearance both ended the same time so they started the same time, ended the same time but since the loan was transferred in the middle of the forbearance they didn't extend the protection perpetually. They both ended the same time but the complexity of the situation didn't allow them to give us an answer at the time of the transfer. In short, the protections didn't do what they're supposed to do and the complexity of a loan transfer in the middle of the COVID forbearance prohibited the new servicer from handling the transfer and the end of the forbearance properly resulting in our negative reporting. We wish to have this addressed and the credit reporting corrected.
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

I went to the gas station to get gas using my Chime card and it was declined twice and I was told that I had to wait 24 hours to get my refund. I waited 24 hours and the next day I XXXX searched Chime customer service number and called. I believed that I was speaking to a representative. The person had me download an app called XXXX and that he needed to visually see the transaction, And to confirm that there was nothing wrong with my account. I was sitting right beside my wife and he requested {$250.00}. From her for " URGENT NEED ''. He shifted numbers and a few dollars around for a few minutes saying that there didn't appear to be anything wrong with the account, then took everything out of my savings account switched it to my checking account and was gone. I've filed 5 complaints regarding this matter with Chime and they see nothing wrong however they can see that I never made that transaction or authorized any such transaction.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (IL)

I have recently filed a complaint in federal court against Firstsource Advantage , LLC for multiple violations of the Fair Debt Collection Practices Act and Illinois Collection Agency Act. Firstsource Advantage , LLC repeatedly continued to send me emails in attempt to collect the debt after I clearly stated in an email that I refuse the pay the debt, thus engaging in abusive, harassing, and oppressive conduct. This type of conduct is unacceptable, unlawful and this company must be held accountable.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Since at least last XX/XX/year> Portfolio Recovery has called almost daily from many different phone numbers. They don't leave a message. I have not received any mailed debt collection bills. I have never answered the calls since I don't owe anything.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

I have applied with a CITI AAdvantage credit card back on XX/XX/XXXX and per the rewards program your XXXX bag is checked free. I took a flight on XX/XX/XXXX - XX/XX/XXXX and paid for my bags with my CITI credit card, since my bags would be free fly and this was part of their benefits CITI. I gave it about a month and reach out to agent and spoke to XXXX online on XX/XX/XXXX at XXXX EST time and he stated he say my card has that benefit and it would take XXXX billing cycles to post the credit. I waited and then spoke to XXXX on on XX/XX/XXXX and told me this wasn't something offer I need to reach out XXXXXXXX XXXX to get the credit, which makes no sense any time I have a credit card and its benefit from their card, the card company gave me the credit not the airlines. I ended up disputing both transactions as XX/XX/XXXX & XX/XX/XXXX, which were from my bags only. The resolution I am looking for is to get credit for both transaction, since it was a benefit with my credit card CITI.