davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account Medical XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (CA)

In 2018, I was the XXXX of XXXX. My bank at that time, Key Bank, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to key bank, made libelous, false claims to my bank. She also filed a false police report with the XXXX XXXX  XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. Key Bank, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. Key Bank participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to Key Bank. This claim of me owing money is completely false, as I was the victim of fraud. Key bank actually owes me money!
Consumer complaint received 2023-03-06
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)

A COLLECTION AGENCY [ XXXX XXXX XXXX ] has listed me as being in collections with them on my credit reports. I contacted this company denying this bill. They refused to respond. 
Pursuant to the Fair Credit Collection Practices ' Act 15 U, S, C, 1692g I subsequently sent them a Debt Validation Letter on or about XX/XX/XXXX. ( Enclosed ) I sent this request vis Certified Mail. ( return Receipt included ). They received the letter on XX/XX/XXXX. 
To date they have not in any way verified this debt belonging to me. Therefore, since this company has passed the 30 day threshold and this collection agency has had more than enough time to respond, this collection should be removed from all reporting agencies immediately.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

In 2018, I was the victim of fraud. My bank at that time, XXXXXX/XX/XXXX, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to XX/XX/XXXX, made libelous, false claims to my bank. She also filed a false police report with the XXXX of XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. XXXX XX/XX/XXXX, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. XXXXXX/XX/XXXX participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to XXXXXX/XX/XXXX. This claim of me owing money is completely false, as I was the victim of fraud. XX/XX/XXXX actually owes me money!
Consumer complaint received 2023-05-26
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. (NM)

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. 

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  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.
Consumer complaint received 2023-02-09
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. (CA)

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The XXXX credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} SPS XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2023-03-03
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. (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. 

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 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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 2020-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (CA)

Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is reporting an account from 2013 on my credit report. I have disputed this account with Santander several times and they removed it from my credit report, but now it has reappeared once again. Santander also has listed a false phone number on my credit report as a contact number I had to XXXX their number to make contact with them. Once I made contact with Santander they advised me that they have no record of me having an account with them, but all my credit reports have this account listed as a charge off and a bad debt purchased by another company I also want any information that Santander has pertaining to any class action lawsuits against them for deceptive practices and taking advantage of customers during the time we were conducting business
Consumer complaint received 2024-03-22
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates, LLC ( PRA ) alleges that I owe them and/or their client or affiliate company XXXX XXXX XX/XX/XXXXa sum of money amounting to {$390.00}. I was made aware of this for the first time on XX/XX/2020. Consequently, I contacted PRA and requested validation of this unknown account. Tangible documentary evidence clearly showing that I have a legal contractual obligation to pay PRA and/or its affiliate - XXXX XXXX XX/XX/XXXX. To date, PRA has failed to provide such validation. Instead, PRA sent me letters bearing inaccurate personal information, including addresses with which I am not affiliated, and has failed to delete the derogatory information from my credit reports. PRA actions represent a clear violation of the FDCPA and given their refusal to properly validate this debt, I am left with no option but to sanction the help of CFPB in an attempt to have this matter resolved without the need for litigation which I prepared to initiate depending on the outcome of this complaint. As a consumer, I believe it is fair to request validation of any debt to which I am accused of owing. PRA ought to comply and provide the requisite information.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CA)

I attempted to settle a debt with credit collection services. I specifically asked them if the account would be removed from my credit report after settling, ie they would stop reporting it etc. They answered in the affirmative. However, it is still showing on my XX/XX/XXXX report. Ive contacted XX/XX/XXXX and they say they cant remove it, only credit collection services can. Credit collection services says only XX/XX/XXXX can remove it, and they now say that theyve reviewed the call and that no one ever said that they would stop reporting it to the credit bureaus, but they will not let me listen to the call to verify. If, in response to me confirming that they would stop reporting it to the credit bureaus, they gave an obtuse and deliberately confusing reply that sounded like yes, and then they proceeded to not remove it from my report, then that is deliberately deceptive behavior in order to collect a debt. Ive settled this debt, I just want it removed from my XX/XX/XXXX credit report.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-01-12
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. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (RI)

Experian has violet my right with this account still reporting no accurate or 100 % verify please I need take action under laws fcra I have right I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
XXXX XXXX account # XXXX this account still reporting monthly when is charge off is considering income this income dont reported in credit burues XXXX XXXX is fraud account result identity theft
Consumer complaint received 2024-03-22
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. (PA)

Account # XXXX ( Name not Listed ) I have no idea what account this is and who is attempting to collect this information. This is a form of identity theft. They have not verified this account accurately. Please delete this immediately Under 15 U.SC 1681i, Paragraph ( 5 ) ( A ) ( 1 ) ( i ) Treatment of Inaccurate or Unverifiable information ( A ) In general, If, after any reinvestigation paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete..
Consumer complaint received 2021-01-12
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: TD BANK US HOLDING COMPANY (WA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-22
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. (TX)

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 XXXX5 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 2021-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The Co. is Specialized Loan Serviving, XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX The last 2 months i haven't been getting a statement so i can pay my bill. I have called 4 times to ask for them, they tell me it's in the mail. 

They won't look into it or anything. I think they want me to be late so they can take my house. 

They did the same stuff in XX/XX/2019.
Consumer complaint received 2017-11-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation (OK)

on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at XXXX
Consumer complaint received 2023-02-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX NETWORK ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT