davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail. 

XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation. 

On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX  and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit. 
I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date. 

XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.
Consumer complaint received 2019-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I opened a XXXX store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XXXX XXXX, 2020, Portfolio Recovery Associates added a derogatory mark to my reports. I had a XXXX  card, but due to difficulties with work, I could not pay for it. The bank sold this account to Portfolio Recovery Associates. When the manager from Portfolio Recovery Associates called me, we agreed with him that I would make a monthly payment in exchange, that they would not report to credit bureaus about the collection. Later I saw the Portfolio Recovery Associates account in my reports.

Due to the current situation, I believe that it will be fair if Portfolio Recovery Associates, breaking its promises, compromises me and removes this account from the reports in exchange for my payment of 50 % of the balance.
Consumer complaint received 2016-12-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: A & O Recovery Solutions, LLC (FL)

I received a call from number XXXX, XXXX, MO, for several days and without leaving a voice mail message. I called them back after a few days and they asked me if I was XXXX XXXX. I asked them what this call was regarding and company name. The representative said it was " CCI '', and hat there was a complaint against me and that I was going to be arrested and my property taken. I told her that his was an illegal debt collection practice and hung up.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On or around XX/XX/year> I transferred money from my personal account with XXXX  XXXX XXXX into my auto loan with XXXX  XXXX XXXX in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/year>. I proceeded to try and make the transfer again on XX/XX/year> in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact XXXX  XXXX XXXX due to the fact that my payment was due on XX/XX/year>. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/year>. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the third, I started receiving alerts on my credit that XXXX  XXXX XXXX had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called XXXX  XXXX XXXX on XX/XX/year> only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile immediately.
Consumer complaint received 2020-12-18
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. (CT)

XXXX is still reporting that my balance with XXXX XXXXt XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CAVALRY INVESTMENTS, LLC (TN)

I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am a victim of identity theft a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Consumer complaint received 2023-05-29
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (TX)

Please see the attached response from the company and update the late payment on my credit report for account XXXX XXXX XXXX. This should have been updated months ago.
Consumer complaint received 2023-05-29
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-29
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is my 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Consumer complaint received 2022-12-30
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

INFORMATIVE Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-01-26
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC (TX)

On our about XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX  in XXXX, TX. Returning to my home at XXXX XXXX XXXX XXXX, XXXX, TX I used the toll road Interstate XXXX around XXXX. My car had TX temporary plate XXXX. On XX/XX/XXXX I received a collection letter from Valor Intelligent Processing ( XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX ) on behalf of the XXXX XXXX  XXXX XXXX ( XXXX ) with no identifying account or plate number informing me that I had been turned over to a collection agency. I had received NO NOTICE that this toll was due previously. Contacting the XXXX was unproductive and evidently they have switched to XXXX from their previous collection firm. 
I paid the {$45.00} and am not sure how much was the actual toll and how much was the agency fee. 

I am requesting your assistance in obtaining a refund for the agency fee and any record of this collection action removed from my credit report. 
My account can be accessed by my cell # XXXX
Consumer complaint received 2015-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (DC)

Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.
Consumer complaint received 2023-05-21
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. (TX)

Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
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. (CA)

Taking a look on my main 3 consumer credit files, I see XXXX XXXX XXXX, as well as the company they sold the alleged debt to, XXXX XXXX XXXX XXXX If XXXX are no longer collecting on this alleged debt, why are they still on my consumer credit files? 

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ). 

XXXX so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g, which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.
Consumer complaint received 2023-05-29
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.