davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
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: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-29
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. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2023-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I overpaid the final installment by $ XXXX. All I want is the credit moved to my savings account. NFCU wanted a full bank statement from which the payment was made to close the loan. I sent them the statement and still XXXX  days later there has been no movement on this transfer. I have checks bouncing I.e mortgage and car payment. I have spoke to at least a dozen specialists and nothing has been done to help me. Just an overall bad customer experience
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (FL)

Looking at my credit report there is account # XXXX from DRS reporting. I informed them that this account was written off through charity care and submitted all supporting documentation to them. They told me the account was taken out of their system and closed. They also said they submitted a request to the credit bureaus to have account removed but its still reporting on my credit damaging my ability to do anything with my credit.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

Letter received from XXXX XXXX on XX/XX/2019 for collection of debt of {$71.00}. 
Contacted paypal on XX/XX/2019 Paypal confirmed that the account is not in my name or associated with my email address. 
Contacted XXXX XXXX  on XX/XX/2019 and informed them that the account was not generated by myself.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I received a call from Convergent in late XX/XX/XXXX stating that i owed debt to XXXX. I explained to the representative that i did have debt with XXXX, but i settled with them and paid back in XX/XX/XXXX. So then a couple of weeks later in XX/XX/XXXX i received a letter in the mail saying that they verified the information with the original creditor and that i owed {$490.00}. I immediately gave them a call and was told by the rep that i had an account with XXXX back in XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX and that i owed them. I explained to her that was impossible because during those years i was under my mother 's plan and when i had XXXX was in XX/XX/XXXX, which i settled and paid my debt in XX/XX/XXXX. Not to mention i have proof on my credit report that i settled my balance with XXXX back in XX/XX/XXXX and the dates that they claim i was with XXXX was never on my credit report. The rep then spoke with supervisor and came back on the phone saying they can settle with me for {$200.00}. I told her that i wasn't paying anything because i didn't owe any money. So then i spoke to the supervisor and he basically repeated the same thing that the rep said and couldn't explain to me why that if i had debt since XX/XX/XXXX then why did i never see it on my credit report. I'm reporting Convergent because i feel that they are trying to scam people out of money that they don't even owe. Once i did my research i saw plenty of reviews like mine where people said that they didn't even owe debt. This is ridiculous and they need to be stopped.
Consumer complaint received 2020-02-29
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. (FL)

The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Consumer complaint received 2019-12-06
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: SUNTRUST BANKS, INC. (FL)

I have an auto loan with SunTrust since XXXX. The history report that I have from SunTrust doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.
Consumer complaint received 2020-02-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX VIOLATIONS : CFPB Orders XXXX XXXX to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC XXXX XXXX : XXXX XXXX and XXXX XXXX, toxic securities abuses, XXXX, XXXX, {>= $1,000,000} ... XXXX XXXX consumer protection violation, XXXX, FTC, {>= $1,000,000}. 
XXXX XXXX XXXX : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
XXXX XXXX : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.SXXXX Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX The FDIC says the XXXX  units violated the Federal Trade Commission Act by falsely : ... Cardholders may be due a refund for more than one violation. The FDIC will ... XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX XXXX The Federal Trade Commission penalized four firms over false textile claims. ... settle charges that they violated the Textile Products Identification Act and the FTC 's ... For example, the FTC said XXXX XXXX allegedly used the terms XXXX XXXX : XXXX XXXX XXXX will pay {$360000.00} ; XXXX XXXX XXXX XXXX XXXX will pay {$290000.00} ; and XXXX XXXX will pay {$150000.00} for allegedly violating the FTC Act and the agency 's Textile Rules. 
TARGET : We received your submissions on behalfofXXXX XXXX ( " Target '' consumer deception XXXX XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC
Consumer complaint received 2020-02-29
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. (FL)

The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MN)

Sequium Asset Solutions company is trying to collect a debt that doesnt exist. They claim it was from XXXX XXXX, but XXXX has confirmed no debt exists and told me it was most likely a scam. I asked the company to provide written documentation so I could dispute and they stated they would not. They accused me of not paying a debt and were very hostile. Please investigate for fraud. There are numerous complaints online.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

My credit report currently shows account # XXXX from Phoenix Financial Serv for the amount of {$1800.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
Consumer complaint received 2020-03-01
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-02-29
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)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but trans-union keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX Account number XXXX
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: Southwest Credit Systems, L.P. (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 2020-03-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account info Account name XXXX XXXX Account number XXXX
Consumer complaint received 2019-12-16
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.
Consumer complaint received 2020-03-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

XXXX PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My credit report currently shows account # XXXX from ARS Account Resolution for the amount of {$780.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: N26 Inc. (FL)

I was denied from opening a checking account at N26 bank and was given no reason for that denial. I called why and ask and was not given a reason. Under the Fair Credit Reporting Act, banks are required to tell you why you've been denied a bank account.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.
Consumer complaint received 2024-04-30
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX  XXXX Account number XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

Ive contacted Chrysler capital numerous of times as well as XXXX XXXX I have no recognization of said loans on my credit report and I have proof of them not belonging to me and would like for the charge backs to be lifted from my credit report