davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (OH)

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 2021-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

In XX/XX/XXXX I received a call about a bill I owed for a stay in a care facility over a year prior. I referred the caller to my attorney handling the case. They never contacted them. In XX/XX/XXXX they placed approximately XXXX collection items on my credit report. I was able to get some deleted. XXXX still remains. On XX/XX/XXXX, they began to call again. They refuse to validate the debt. According to the original provider indicated I never had a balance with them
Consumer complaint received 2021-05-23
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. (MD)

I have continually tried disputing accounts on my credit reports with XXXX, XXXX and equifax. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX {$1200.00} XXXX XXXX  {$320.00} XXXX XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2021-05-22
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: Amsher Collection Services, Inc. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my husband and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX ACCOUNT XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. XXXX nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. XXXX XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Consumer complaint received 2021-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.
Consumer complaint received 2021-05-24
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: Santander Consumer USA Holdings Inc. (FL)

I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood whom I have a bank with and invest in various stocks with has restricted my account from any actions such as investing or withdrawing my cash on my debit card. They sent me a new a new card and even told me I could use my virtual card from my account. But none of those have worked they even asked for my identity verification which I sent three bank statements and my ID over the last couple weeks. They still have yet to give me any access to my account or any reasonable timely response on how I can resolve this. At this point I'm just trying to withdraw my money from there that is rightfully mine. So far they've given me nothing that I can go on they asked me for information and I gave it to them and they haven't followed through with what they said they would do they're essentially holding my money hostage.. I sent them 6days ago my identity verification. XX/XX/XXXX XXXX
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, 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. (NY)

I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for Equifax, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX  for XXXX ; XXXX  for XXXX XXXX XXXX VA XXXX XXXX XXXX NA ; and XXXX  for XXXX XXXX. I have filed a report with the FTC, report number # XXXX.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I have an auto loan at Fifth Third bank XXXX XXXX XXXX, who is claiming that my payments XXXX made via XXXX ) were rejected by my primary bank, XXXX XXXX XXXX  XXXX XXXX XXXX. As such, I have received several NSF fees. According to the rep I spoke with, a different XXXX non XXXX ) account was selected multiple times in a row. This never happened. Never in the years I've made payments have I selected anything other than the intended account. To suggest that I did so several times in a row stretches credulity well past its breaking point. They refuse to do anything about their serious system error, or to correct the erroneous NSFs.
Consumer complaint received 2021-05-24
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: FC HoldCo LLC (NC)

I have sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership. 

Thanks.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

My personal information, including sensitive information that can be used to take out lines of credit on my behalf, was leaked by Equifax. This mishandling of my information has put me and millions of others at risk. Upon checking equifaxsecurity2017.com, I learned that I am a potential victim, and am requesting that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2021-05-23
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. (TN)

On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Since  XXXX    XXXX   I have been trying to get a validation of debt From  LVNV FUNDING, LLC  on this account and I have n't received a response this negative error is preventing me from making big purchases
Consumer complaint received 2021-05-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (TX)

I requested the following documentation as stated below directly from GM FINANCIAL. On XX/XX/2021, I received a response. A copy has been provided. I have also included a copy of the letter I sent GM FINANCIAL. They failed to send me the requested copies of the documents that are required by law. 
***************************************************************** Under the laws of the State of Texas UCC statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since no proof was submitted, this claim of a deficiency is null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Over the XXXX XXXX and reports of XXXX XXXX my those accounts are still active and showing false information which are already closed and never defaulted by me but showing payment in standing but the accounts are closed by the lender and also got the XXXX from the lenders when ever I tries to dispute the account through XXXX and XXXX they demand from me to subscribe the paid services for resolution and ruining my XXXX intentionally for making money and making me a defaulter in from of other lenders. I want a strict action against them.
Consumer complaint received 2021-05-22
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: Santander Consumer USA Holdings Inc. (CA)

They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (TN)

I paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.
Consumer complaint received 2022-11-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to bring to your attention a concerning discrepancy on my credit report. Upon reviewing my recent credit report, I discovered an account that is inaccurately associated with my name and it appears to be fraudulent in nature and is not affiliated with me in any capacity.
Consumer complaint received 2021-05-24
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: Exeter Finance, LLC. (NJ)

Hello, I received in XX/XX/2016 a late remarks on my credit report with Exeter bank and I didnt own the vehicle. I traded it in and XXXX XXXX owned the vehicle. They still reported it to my credit report. I called multiple times and they refuse to do anything. I submitted disputes and nothing. I did not own this vehicle it was traded in and if XXXX owed them its beyond my control. I would like this take off my credit report or I will sue them!!!
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX  2021 monthly payment of {$1700.00} due XX/XX/XXXX instead paid two days late resulting in penalty charge of {$17.00} plus interest charge of {$30.00} appearing on XXXX 2021 monthly statement. 
XXXX statement paid timely and not subject to any type of penalty, etc. 
The company, Capital One, without explanation now charges an additional interest charge of {$16.00} explaining that such valid charge results from the XXXX 2021 late payment. 
As client never before involved in a late payment situation. I have an issue with the arbitrary action of Capital One but most relevant what appears to be an unfair practice.