davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (IL)

XXXX of XXXX  I purchased this vehicle through Santander for {$24000.00} I was told I could refinance after 3 months of on time payments, I found out that santander do not refinance any vehicles so 2 years later with my payments still current I still owe {$22000.00} only {$1400.00} has been paid towards the principal balance, I have tried with several companies to refinance the vehicle no one will refinance because it's only value at {$9500.00} I need help to get rid of this predator lending company at this rate this car would never get paid. Thank you
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I Have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2022-01-31
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. (GA)

I've made several attempts to dispute these four accounts and the inaccurate information that's being placed on my credit report by Equifax, and all have failed. The accounts with XXXX, and the one account with GA XXXX are reporting 120 days late, but these accounts are closed paid accounts with a zero balance. I don't understand how i can be 120 days late on closed accounts with zero balances. And to further validate my point, the " Last Reported Date '' on these accounts haven't been updated in years. The Last Reported Date should reflect my most recent dispute date, and since it doesn't, this tells me that no investigation into my complaints were ever done. 
The accounts XXXX and XXXX are two collection accounts that are reporting 120 days late as well. But how can i be late on a collection account when by default it is late. A collection account can not report an account as being late. There is no payment history with a collection account. Therefore, all these accounts are reporting falsely, and i want them permanently deleted from my credit report. I'm attaching past dispute letters as evidence.
Consumer complaint received 2022-12-13
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (VA)

I have been accused of being evicted from an apartment community that I have NEVER lived in. XXXX XXXX has reported an eviction on my credit report since XX/XX/2016. Again I have never stayed in this community. The also gave my information to a company ( National Credit Systems ) without my permission and they continue to destroy my credit report with a collection. I have tried to speak with them on this matter but no one seems to want to help or show any documents roving that I was evicted from an apartment community called XXXX XXXX in XXXX N.C.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Acceptance Corporation (CA)

A few months ago I discovered an account on my credit from XXXX XXXX XXXX. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called M Leonard Associates whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (WA)

I have had an old navy card for many years, but have never requested a different card or requested a VISA card with this company. I received a Old Navy Visa in the mail that I did not request, do not want, never wanted. I read the small enclosed " Important Changes to Your Account Terms '' booklet and noticed that if I did nothing it would be like accepting and was upset at this. I called on XX/XX/XXXX to let them know I did not want the card, had not requested the card, and felt like they were trying to fraudlently force this card on me. At this time I was told that my opt out was recorded and the card would be removed. Months later I made a purchase at XXXX XXXX using my regular store card and when I went to make a payment online I noticed the Visa was on my account. I called AGAIN on XX/XX/XXXX and was told that they weren't sure what happened, but they were logging it as I wanted to opt out. When I checked AGAIN XX/XX/XXXX to make sure this happend it was still there. I also received a letter saying they needed more information to be able to fulfill the request from XXXX. When I called for the third time on XX/XX/XXXX I was told that they were filling out the " correct request form '' and that I would be hearing from an account manager my mail within 30 days. At this point I dont believe that they have any intention of removing the card from my accounts and are just trying to string me along. I have also been told that this happened as a convienece to me or as a perk for me for being a good client. This card was not for my benefit, it was sent to earn their company more money. Perks for me would have enriched me, not them.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXX XXXX had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXX XXXX to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.
Consumer complaint received 2020-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX XXXX  {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Original creditor : 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
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

I was a victim of identity theft several years ago. It became so bad I elected to sign up for XXXX XXXX to hopefully prevent this from occurring and also added credit freezes on my credit reports. It still occurs approximately every 6 months and always a cell phone company or cable company. The latest incident occurred when I received a notice from XXXX that there was collection notice on my credit report. This was from CREDENCE RESOURCE MANAGEMENT. I have never heard anything from this company ; no letters, no phone calls ; nor any email notices- they simply filed a collection notice against my credit. This same tactic has happened in the past more than once. This happened on XXXX day as the collection notice appeared on XXXX XXXX. I have filed disputes on all three agencies as this is clearly NOT my account and due to this collection notice, my credit score dropped approx. 60 points. This needs to stop.
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (AL)

I have 28 unauthorize inquires on my Experian that I didn't not authorize.I have contacted the individual companies and the problem still haven't be solve. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX /XXXX  for XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has violated my federally protected right as a consumer. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to send me compensation in the form of a check {$5000.00} immediately. They unlawfully recorded my voice without consent and exposed my personal information in a data breach. They have only offered Identity restoration services which in NOT enough. They are putting the lives of consumers at risk with all my personal information now being accessible.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (TX)

This company is trying to collect an amount that is owed to a military housing complex. The amount they are seeking is incorrect and more than the amount that the XXXX XXXX servicemen and his spouse ( myself ) were told. We were under the impression that this amount had been taken out of the paycheck per the agreement with military housing.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I am making a dispute against Wakefield and associates in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Consumer complaint received 2022-12-27
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. (NY)

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX  A Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF MY CREDIT.
Consumer complaint received 2021-09-07
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: CITIZENS FINANCIAL GROUP, INC. (MD)

I have asked for a validation of debt from Citizen but all I received is a letter stating they believe the debt is mine. That is not a validation of debt. If I owe this alleged debt I need the original contract with my signature on it. I have know knowledge of this debt, it is not mine and need to be removed from my credit file immediately. If the contract is not provided to me in 30days it can not be legally reported.