davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-02
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. (CA)

On XX/XX/2020 I sent written communication SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the nationalcrediting reporting agencies on account number XXXX. On XX/XX/2020 XX/XX/2020 Isent written communication to SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO communication from SANTANDER CONSUMER USA. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing SANTANDER CONSUMER USA communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires SANTANDER CONSUMER USA to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. SANTANDER CONSUMER USA provided none of the above. SANTANDER CONSUMER USA continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentiallymakes them actionable by criminal complaint. SANTANTER CONSUMER USA has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from SANTANDER CONSUMER USA that they will not change the UNVERIFIED, INACCURATE, and INCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I filed a dispute in the amount of {$2800.00} against Venmo after discovering that my Venmo credit card payments to XXXX XXXX were not properly credited since the two Life insurance policies were previously cancelled. They are harassing with with email that I am NOW Over My Credit Limit? I demand a full refund immediately to avoid further legal action! Proof of cancelled policies are attached.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-05-09
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. (GA)

Identity was compromised and affect my credit report negatively. These open, collections and chargeoff accounts on my report I do not recognize them. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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)

I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 2022-11-05
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. I had a credit card account with XXXX XXXX XXXX XXXX XXXX at the time and the card was included in the bankruptcy as unsecured debt. My plan of reorganization was approved in XX/XX/XXXX and payments began in XX/XX/XXXX. I have made all required payments to XXXX XXXX per the plan and continue to do so. XXXX XXXX continues to report the account with a large past due balance, late payments, charge off, and other derogatory information after my bankruptcy filing in violation of the confirmed plan. This debt is satisfied per the bankruptcy plan of reorganization and no information should be reported after XXXX of XXXX per bankruptcy law. At that time the account was current and always paid on time. I have disputed this inaccurate information with Experian providing bankruptcy documentation as evidence, but XXXX XXXX refuses to accept that their behavior is incorrect and illegal. As a named creditor, XXXX XXXX received all of the relevant bankruptcy documents while the case was open. Because of their actions, my credit score continues to suffer, and I am unable to repair my credit as afforded by my bankruptcy petition filed almost 7 years ago.
Consumer complaint received 2022-11-05
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)

I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has no agreement with me. I have never worked with this company before and do not know how they have received my information. They harass me with phone calls, letters and threatening to sue me. I have not received proof of debt and I have never seen receipts. They affect my credit score negatively and refused my request to be removed. I highly believe this company is a fraud.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I used to have a XXXX card with American Express ( ending in XXXX ), which I asked to be closed back in XXXX or XX/XX/2019. XXXX months ago, I received a statement for this card, showing a charge of {$160.00}. 

I immediately called the AMEX customer service to dispute this charge, saying that I never received any goods or services and that this card account had been closed over XXXX and a half years ago. They agreed to investigate and suspend the payment due for this charge. 

I also tried to contact the merchant, XXXX XXXX in New York however, the phone number listed on the charge as well as on their website, is simply a voice mail drop, with no access to live operators. They offer an email form, which I filled twice at a month interval and remain unanswered to date. 

American Express reinstated this charge, asking for payment and I disputed that charge again in writing. I can not understand how a closed account can be impacted with new charges so long after the actual closure date of this account.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: State Finance Company (TX)

XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XXXX XXXX  2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 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 rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2020-03-23
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX  deleted from Equifax & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF XXXX  CREDITCARD.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

Hi there is fraudulent credit card open in my name and I didnt apply for it and this is the fifth time that this credit card keeps reopen and showing up on my credit report under my name and Well Fargo send me letters and said it will take care of the fraudulent charges and that it will be removed off my credit report but new account numbers keep regenerate like 6 times and they keep sending new cards out under my name and fraudulent charges are keep going through on this card and the account was supposed to be closed and this morning on XX/XX/2020 the account was reported to XXXX  and well Fargo fraud department isnt doing anything to fix the problem knowing that previous card numbers were reported as a fraudulent application
Consumer complaint received 2019-04-15
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. (MO)

I'm disputing the following accounts XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Consumer complaint received 2022-11-05
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. (IL)

Please remove all derogatory accounts XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/2020 I called Advanced Financial in XXXX Tennessee, because my loan amount was not going down after my payments. I am paying {$450.00} every two weeks with only XXXXdollars of that is going towards my payments and the {$400.00} is going towards interest. I can not keep paying this amount every two weeks.. My partner has been laidoff due to this virus and Advanced Financial is saying they will continue applying the interest and there is nothing I can do.
Consumer complaint received 2023-05-14
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: Resurgent Capital Services L.P. (WA)

LVNV FUNDING RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. 

XXXX IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW XXXX DISPUTE WITH YOU. THE LAST DISPUTE XXXX STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY. 

XXXX REEMOVED ONE OF THE RE AGED ACCOUNTS BUT DID NOT DELETE THE OTHER ONE. ENDING IN XXXX. 
AND I HAVENT HEARD ANYTHING FOR OVER 60 DAYS
Consumer complaint received 2020-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

On XXXX XX/XX/2020, I inquired with Navient about applying for disaster forbearance due to the Covid-19 pandemic. I did not authorize Navient to put my student loans in forbearance at that time. On XX/XX/2020, I received an email from Navient stating that my loans had been placed in disaster forbearance. The email further stated that my loans would continue to accrue interest at a rate of 3.5 %. This rate is higher than my previous interest rate of 2.275 %. I called Navient on the afternoon of XX/XX/2020 to inquire : 1 ) Why my loans had been put in forbearance without my authorization, and 2 ) why my interest would go up if the loans were in forbearance. The representative and supervisor with whom I spoke apologized for  putting the loans in forbearance without my authorization. I then asked about the increase in the interest rate. They stated that the interest rate would increase because I would no longer receive certain discounts while the loans were in forbearance. The discounts are : 1 ) a 0.225 % rate reduction for payments made by automatic withdrawal from my bank account, and 2 ) a 1 % rate reduction for consolidated loans. I understand why I would not receive the discount for automatic withdrawal. But, denying the rate reduction discount for consolidated loans is predatory. If the interest on my loans only increased by 0.225 %, then they would accumulate {$1400.00} in interest over the 3-month forbearance. If the interest increased to 3.5 % as Navient says, the loans would accumulate {$2000.00} in interest. Thus, Navient would make an additional {$590.00} from my loans. At a time of national crisis, Navient is trying to profit off of the financial difficulties of hard-working citizens. Their disaster forbearance should allow lenders to continue with their previous interest rates or at the very least keep the discount for consolidated loans.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XXXX sued in court without notifying me. I do not know what this is not did the company attempt to contact me. The court issued a garnishment that started on my last paycheck. I used to bank with company years ago but changed banks due to more than XXXX that just disappeared out of my account.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, Tx please delete addresses immediately
Consumer complaint received 2022-12-28
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. (OH)

Credit inquires, 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 XXXXXXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Consumer complaint received 2022-12-28
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.