davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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: SANTANDER HOLDINGS USA, INC. (TX)

The companies listed inquiries on my report that I did not authorize please remove these unauthorized inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXXXXXX XXXX, who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( XXXX, Equifax, and XXXX ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and XXXX.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

After being denied original request for additional amount month, company advised me to send hardship letter with additional paper. XXXX weeks plus elapsed so checked back and was told this could not be done and asked me to submit hardship letter again and more of same paperwork. Every time was told they would be in touch in 7 to 10 days. Never received their response & each time I had to check in to get status. Was always told this could work but in the end it never did. If I had not checked back with them, I would have never known status. Finally in XXXX in answer to another call from me I was told there was nothing they could do. Thats when I contacted firm to assist & they got same treatment. This is associated with XXXX XXXX which was filed previously. 
Shellpoint is totally unscrupulous & dishonest.
Consumer complaint received 2024-05-03
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: 1st Franklin Financial Corporation (MS)

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin Financial XX/XX/XXXX -- -- -- XXXX XXXX
Consumer complaint received 2023-08-31
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

Hello, There's a collection account that's on my profile and it was deleted in 2022. Now it shows on my credit report again. according to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and they reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand they delete these items from my credit file or I will seek litigation. 

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXX XXXX XXXX # XXXX Thank you for your time and help in this matter.
Consumer complaint received 2023-08-31
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PINNACLE RECOVERY, INC. (CA)

I called XXXX XXXX, kept speaking over me and called me a liar twice leaving me feeling harassed. I reached out to him, not the other way around. 

Pinnacle Recovery Inc ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I received an alert on my credit file that Jefferson Capital Systems has placed a collection on my account without any information sent to me regarding the validation of the account. I have never done business with this company and do not owe them any money. 

They claim I owe {$1400.00} and do not list what this is for at all on my credit report. Any " unknown '' and unidentified information needs to be deleted from my credit report immediately.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

I opened a dispute on XX/XX/2024 for a Drone order from XXXX. 
I purchased a XXXX from XXXX and an extra set of propellers. I paid XXXX on my Apple Credit Card. The packaged was shipped and arrived on XX/XX/year> the box arrived damaged and I took a picture of the box before moving it in doors. The was also dropped off without my signature. After opening the box I discovered that part of the Drone was missing and I was also missing the SD card and other accessories. I contacted XXXX on XX/XX/2024 and they said someone would contact me within 24 hours and I never received an email or phone call. I filled a dispute with the Credit Card company and gave a list of the items I did not receive and I requested a partial dispute. The Credit Card company disputed the entire amount. I sent them pictures of the box as well as evidence that I made an effort to workout with XXXX. I also sent them copies of the purchase receipt. On XX/XX/XXXX my Dispute was finalized and not in my favor. The result was that I couldn't receive a credit because I agreed to the terms and conditions at the time of purchase. I am pretty sure that I did not pay XXXX for an incomplete order from XXXX. It could have been incomplete because XXXX did not put everything in the box before it was shipped or as the BOX looked on arrival someone could have taken it out of the box but either way I did not receive everything I paid for and that's not my fault. On XX/XX/2024 I requested the dispute to be re-opened and also filled a claim with XXXX. XXXX XXXX XXXX XXXX XXXX .... on XX/XX/2024XX/XX/year> XXXX said that they came to a conclusion but couldn't release that information to me as the receiver and only the shipper would receive the outcome or compensation from the claim. On XX/XX/2024 Golden Sacks requested any emails or communication that I had with XXXX and any documents showing the evidence I did not receive from the XXXX. I'm not show what to send in to support that as I already sent in screenshots of me chatting into XXXX back in XXXX and never received any emails from that after that. I also gave them a list of the missing product over the phone when the first Dispute was filled and when the second dispute was filled. I am now disputing XXXX and willing to pay XXXX of the original payment.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (CA)

It appears XXXX is reporting a delinquent account to the credit bureaus that was never delinquent and was PAID IN FULL and ON TIME. 

I recently received a credit alert that XXXX is reporting a delinquent account to the credit bureaus ( see attached ). 

The account was PAID IN FULL, and ON TIME back in XXXX of 2021 ( see supporting documentation ).
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX, NC XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : JEFFERSON CAPITAL SYSTEMS LLC. , agents, representatives, & employees I, XXXX XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

Name : XXXX XXXX Costumer XXXX Date of XXXX SSN XXXX ID Type : State Identification Card ID XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX  XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a hard inquiry for a XXXX credit account. I 've never had one or applied for one.  Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
Consumer complaint received 2023-08-31
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. (MD)

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Receivable Recovery Services, LLC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (KS)

XX/XX/year> attempted to login to online account but website says is does not recognize my account. I tried to reset the account but the website said I have an account already-which is true. I paid my mortgage via phone but did not get an email confirmation. 
XX/XX/year> called the number provided in voicemails asking me to call but the system will not give me an option to speak to a rep. i went through every option on and was not able to speak to rep. I emailed customer service and asked my account be unlocked and stated the issue. I revied a auto response. 
XX/XX/year> I went through the same steps as on XX/XX/year> XX/XX/year> I checked to see if my account was unlocked. It is not. I called the number but dialed XXXX first. There are different options but there is still no way to speak to a representative to discuss issues and solutions to my concerns. There is no customer service and the servicer has complete control over my communication and situation. 
The website and phone system asks you to login to your account but the servicer does not allow this. The servicer has left messages asking me to call them but will not allow me to speak to a rep. My payments are current.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.