davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2024-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX XXXX XXXX sued me for a very old debt that was apart of a class action lawsuit with Santander. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.
Consumer complaint received 2020-08-16
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. (TX)

XXXX, Equifax, XXXX is not responding after the 60 day mark to erroneously and obsolete information that is reporting on my credit report. Please update these account and or remove these items that are being reported on my credit report. I have proof and the letters that were mailed back in XXXX and still no response. This is affecting me and my family to be able to apply for assistance jobs etc during this pandemic. Thank you
Consumer complaint received 2020-08-16
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: 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}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax took longer than 30days to notify me about the results of an investigation. After several calls to equifax, they tell me the company in question responded to them with in 30day, but per the electronic paper trail on the CFPB complaint site it shows they failed to notify me untill after 30 days. Someone at equifax removed my address information so that I could not contact equifax, after a heated phone conversation about the incident. Equifax 's response is completely unacceptable. Please see attached documents for verification of my claim.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the  right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX Nordstrom/TD Bank USA ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (MN)

I am receiving phone calls of harassment, profane, abusive, and vulgar language, threats of jail, prison, XXXX, and XXXX from Bonneville Collections Representatives in regards to a debt collection account thats a fraudulent debt collection account, not my debt collection account, and is the result of identity theft. The debt collection account is fraudulent and from the result of identity theft. Bonneville Collections is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of  the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Small Business Loan through the SBA and was approved on XX/XX/XXXX. On XX/XX/XXXX ( Friday ), the funds were deposited in my checking account. On Saturday, XX/XX/XXXX, I visited the bank ( JP Morgan Chase ), met with the branch Manager and asked  about the funds. She stated that the funds were on hold and that they needed to clear and that I needed to bring proof that I indeed own or had a business. I indicated that I would do so and that as soon as the County Clerk 's office was open, that I would bring a copy of my DBA certificate. On XX/XX/XXXX ( three days later ), the bank arbitrarily and without notification, closed my checking account that I had had for the past 10 years. Upon learning about this, I visited the bank on Friday, XX/XX/XXXX and again spoke to the branch manager ( XXXX ) who placed several calls to the chase customer service number to try to clarify the situation and was unable to. On Saturday, XX/XX/XXXX, I got a letter stating that no action will be take on my account. I am concerned because the SBA loan in the amount of {$33000.00} the bank has not been able to say what happened to the funds. I even presented the loan signing document and promissory note to show that this was a legitimate transaction and they were not able to help. They also froze ALL of my other accounts and thus I have no access to any money.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Problem lies with XXXX & Possibly other bureaus. I got information corrected on 4 accts N past 2 yrs & have done everything 2 build back score. XX/XX/XXXX topped @ XXXX, then up/ dn but close & XXXX as of XX/XX/XXXX. Now XXXX put incorrect info back on report & score dn to low XXXX. I have only made positive moves & last month XXXX & other Bureaus saying way to go & reported 36 + on-time pmts. Just paid off XXXX Acct. getting title out of my name & that was about {$31000.00} should be down on auto loan to XXXX bout XXXX. The 4 disputes today were removed or changed in past 2 yrs. but now incorrectly reported again. Please amend to accurately get score back above 700 with all bureaus. Also am paying off 3 or 4 other accts. By end of year.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are itemsI wish to dispute on my credit report : Discover Financial Services ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX Discover Financial Services ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Consumer complaint received 2020-08-16
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and XXXX advised they did an investigation, however left innacurate items on my report. Equifax never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.
Consumer complaint received 2022-11-02
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. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has failed to provide requested information showing a close out check was cashed by myself, funds received. Capital One rep by the name of XXXX replies by either stating check will not be reissued, despite the fact funds are still owed to me, conveniently twisting it around or marks the complaint as duplicate to avoid providing requested information.. The check in question was cashed by a third party without my consent or permission while I was on vacation, funds stolen. I've provided proof of whereabouts time check was cashed, check copes showing forged signature, statement from hotel where I stayed as well as statement from driver whom picked me up on XX/XX/2018 ... Capital One reps choose not to review this information, knowing it proves I did not cash check or receive funds. I request any information Capital One has with regard to cashing of check in question, any proof of receipt of funds. I suspect Capital One rep will do the same, mark complaint as duplicate or reply by stating check will not be reissued. If marked as duplicate, complaint will be resubmitted until information is provided as requested. The check amount is {$4200.00}, intercepted and cashed on or around XX/XX/2018, possibly XX/XX/2018. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018, did not receive check, sign or cash it. No refunds received from it
Consumer complaint received 2020-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2020 I was made aware of fraud and a lawsuit from Santander Consumer USA in regards to the dealership that I bought my car from. In reading the court documents I was made aware that there are 2 unknown files that was submitted to the financial department at Santander and I am sure they are aware or have some dealings with this matter. I am asking for BOTH files with only the information I submitted and NOT tampered information that was falsely given to them. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, insane interest rates, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties my vehicle will be repossessed. I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus that has been sold and illegally reported to Third Parties.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

The Experian report shows lates under XXXX XXXX that were removed almost a year ago. See screen shot XX/XX/2020 and XX/XX/2020 Experian re added lates that were removed by XXXX XXXX almost a year ago. You would thing after a late was removed it would not be added again. Doesnt Experian keep records so old information isnt added again. Im about to get a lawyer because this is ridiculous and XXXX and Experian are still correct with zero lates.