davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 
Account name : XXXX XXXX Account # : 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 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.

Theres a lot of inconsistencies on my report and is inaccurate.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander Consumer USA accepted a fraudulent loan with forged signatures. Santander Consumer USA failed to respond to consumer questions and acknowledge errors.

Santander Consumer USA failed to agree to terms and conditions stated in prior lawsuits, particularly language involving " moving forward '' for future loans. They were obligated to adhere to strict conditions and failed to do so.

Santander Consumer USA continues to lie and harass.
Consumer complaint received 2016-11-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Keynote Consulting, Inc. (WI)

This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. 

The court ordered that all debt from this XXXX be paid by XXXX. 

The court order preceeded the debt collection. 

Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Torriere Holdings INC (LA)

I received a call from a collection agency stating that I old a bill for {$3000.00} that I was unaware of. So I asked him to send me a copy of the bill or I needed validation of that debt. So when He finally sent me the copy of the bill it was for a bill that was on my credit file that had been been deleted because it had been on credit for 7 years. Well, I told the XXXX collector this, but he failed to respond. He said I steal all the debt and they were trying to collect on behalf of the vendor so I told them that I had did my time. But hes response was he can still collect. I feel this company has pull my credit report and feel that they look at my credit and see that I have reestablish my credit and are taking it advantage of senior citizens. The fact if I didnt have a copy of my old report I would have to pay the to protect my credit rating that am working to protect. I feel they do this practice all the time.
Consumer complaint received 2024-03-08
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

I am a XXXX Veteran from the XXXX XXXX XXXX, I am in the rebuilding phase of my credit. I made a lot of XXXX decisions in my past that ruined my credit. However, I have been doing things the right way for the past year and my XXXXredit score has increased significantly. I applied for a Secured Credit Card with XXXX it to help me on my journey of rebuilding my credit. I was hoping my card would graduate to an unsecured card after 6 months, so I could get my XXXX dollars deposit that I need so much back. However, that looks IMPOSSIBLE right now. Why? Because yesterday, XX/XX/XXXX, I received like 5 negative notifications about a new collection account added to my credit report from all the different websites and apps that I use to check my credit reports. This collection decreased my credit score by XXXX points. 

The collection account is a collection from XXXX with a balance of XXXX dollars. It is showing the date opened AS XX/XX/XXXX. I am 100 % SURE that I DO NOT owe XXXX a XXXX. I never received any calls or mail from XXXX or anybody else about this balance. When I switched from XXXX to XXXX, I did not owe XXXX ANYTHING XXXX Therefore, I DO NOT understand why I owe this balance. Anyways, I immediately reached out to XXXX trying to find out what this collection was about, and they told me that MRS BPO COLLECTIONS is the one in charge of the collection account. I immediately reached out to MRS BPO COLLECTIONS, and they told me that that the balance was XXXX dollars which is not the balance that the collection account is showing on the credit bureaus. I do not want to fight this collection fake and fraudulent collection account and waste time. As I mentioned above, I am a XXXX Veteran from XXXX XXXX FORCES with chronic XXXX, chronic anxiety, and chronic XXXX, and this things just add more stress to me and make things worse for me. Therefore, I went ahead and paid the balance in full to MRS BPO COLLECTIONS, even though the balance they say I owe is way different to what they collection account on the credit bureaus is showing. They told me that they would let XXXX know that I paid the balance in full. However, I need this account removed from all of my 3 credit bureaus ASAP. I am 100 % sure that I do not owe XXXX anything as I said above. But this collection account ruined my credit and will prevent my secured card to graduate to an unsecured in a timely manner, since one of the MAIL requirements from XXXX It when graduating secured cards to unsecured is that you can not have any new Negative Accounts added to your credit report. Therefore, please delete this account from my report ASAP. Thank you!
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

XX/XX/XXXX 2017 open account for XXXX to this date already pay XXXX and still have 6 payments to make which will make the total over 1000.00. can not afford to keep paying on this account and the interest is killer. need to have account closed and taking care of. feel it is pay in full. no more monies coming out. this is loan shark company and when you need help or in desperate need they are there to help but in the long run interest alone will get you on trying to pay back.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the XXXX, Transunion, and XXXX about the fraudulent accounts. I sent the information via certified mail.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat XXXX attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 

Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00} I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2024-03-08
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. (PA)

I send dispute to the bureaus and I reacieve email from them saying I'm hired credit repair company for my dispute letters. Plese review and check the accounts below : OPEN LATE XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX CHARGED OFF XXXX  XXXX. XXXX, XXXX {$520.00} CHRAGED OFF XXXX XXXXXXXX XXXX. XXXX, XXXX {$190.00} CHRGED OFF XXXX XXXX XXXX  XXXX. XXXX, XXXX {$80.00} CHARGED OFF XXXX XXXX XX/XX/XXXX {$0.00} OEPN LATE XXXX XXXX XXXX XXXX XXXX, XXXX {$950.00} INQUIRY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Dear : XXXX XXXX  XXXX XXXX XXXX and Pro Collect I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This account has been settled and closed due to negligence of a employer i would like applications and signatures request and i want to attach the Fair credit reporting act Sincerely, Your name Enclosures : Cease & Desist Letter XXXX XXXX XXXXXXXX XXXX XXXX and PRO COLLECT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attn : Collection or Customer Service XXXX Installment Account Ref No XXXX Dear RESIDENCE AT XXXX XXXX XXXX and PRO COLLECT : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C 1692, to cease and desist all further communication with me regarding the above reference debt or debts. You are herby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State Law. 
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Texas Attorney General. 
I have decided that I do not want to work with the collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 
I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease-and-desist letter. You are also notified that should any adverse information be placed against my credit report as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. You may not contact me at my place of employment as my employer forbids such communication. 

I have been disputing this for a long time already and I have wrote them several times to take this off my credit report and I have told them this was not me who opened this account. I been disputing this since 2015 because they state i lived here. I have personally went to this apartment complex and politely have asked them for the original documents, applications and signatures and they state they do not have them. This was done when I was going through a divorce and i know that the man who I was married to did this because he knew the manager back then. And this manager is no longer apart of this apartment complex. The state I owe XXXX dollars for cleaning services and abandonment charges and broken leases. I have never lived in XXXX Texas. I have always lived in XXXX XXXX texas. This has stopped me from helping my children get apartments and cars because i cant be a co signer.
Consumer complaint received 2023-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Upon checking my credit report i see that your company is reporting on my credit for a credit card that was not in my possession and that i did not apply for. I see that the original creditor is XXXX XXXX and i have been in touch with the official president of this company regarding this situation i have tried to work with your company but i was basically belittle and told me that the only way i can make this go away is to pay for something that is not my debt or a card that i never had in possession. I have a police report for identity theft and have been working with your company but i have not been getting any good response for this. so i am writing you now to try and solve this and remove this from my credit report considering your company did not send me a validation letter or anything with my signature on it.
Consumer complaint received 2023-06-19
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. (GA)

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 2023-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

For a second time, I took the XXXX XXXX to another car dealership. He told me that I would have to replace tires on the vehicle and was surprised at the amount the loan was for, and asked if the loaner even looked at the XXXX XXXX Value, I told him no, that it was done with a loan application which I never saw. He said that in order to obtain a loan of close to {XXXX} the loaner would have to ask the mileage, condition, mileage, look up the XXXX XXXX Value, etc. 

He said the vehicle is only worth around {$XXXX}, so I can`t refinance, or even trade this in as there is more than the vehicle is worth, so I`m stuck with a vehicle that needs three new tires, the driver`s door needs to be reset, there is paint covering up a mar on the front, and isn`t worth the amount of the loan. Well Fargo Auto Finance, he said, should have asked all of these questions before granting a loan of this amount.

I`m also being charged for two months ' of payments on it, which comes to {XXXX}. I just got back to work, so I have next to no money. Being a XXXX XXXX XXXX, we don`t make a lot of money, and Wells Fargo Auto Finance should have known this. Clients pass away, and we have to wait to get new patients.

I don`t believe Wells Fargo Auto Finance asked for any of this information on the vehicle before granting the loan.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-04-13
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-01-25
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 ()

Please help, i just created my Paypal account and i have met every requirements, i have confirmed my email address, i have also sent a copy of my ID card to Paypal for account verification and confirmation, i got an email message from Paypal that my account limitation has been lifted and i can now send and receive unlimited amount, but when i log into my Paypal account its still has this red flag with this message { After a review, we decided to permanently limit your account as XXXX determined that this account is linked to XXXX or more PayPal accounts that currently have unresolved issues. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal } Please i dont know why this is so, i strongly believe that my account was wrongly limited permanently. i want my account to be completely lifted from limitation so that i can use it perfectly well. thanks.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

In XXXX of XXXX  some one hacked in to my Wells Fargo account and stole XXXX there for I called them and spent XXXX weeks trying to get my money back. In the mean time they took my car payment money to cover those cost. Not only was my payment late it made a bad mark on my credit. After all they all I got was sorry you been hacked and it was my loss nothing they could do about it. I even told them to go back and listen to where they had recorded the conversation.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I have had these investigated numerous times buy all the bureaus. I have had this account on my record for over XXXX years. XXXX has removed because of the FCRA. Rightfully so obey the LAW. the following should do the same Experian XXXX and XXXX asap!