davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
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. (PA)

XXXX XXXX continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
Consumer complaint received 2021-07-20
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: Creditors Bureau Associates (GA)

Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )
Consumer complaint received 2020-08-02
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MO)

In XXXX  and XX/XX/2020 I was late on payments on my Santandar loan due to covid and my decrease in hours. This showed a negative report on my credit report
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC (IL)

CNAC reposesed my car in XXXX  of 2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, CNAC charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-02
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. (NC)

Recently on my Experian credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first XXXX XXXX I submitted a dispute online to Experian XXXX co whats funny this is not showing on XXXX  or XXXX reports just Experian they said the report was accurate?????? In the dispute sounds like they need to call XXXX XXXX XXXX  and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month
Consumer complaint received 2020-08-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (CA)

Unfortunately this is the second time due to whatever ongoing errors that seem to constantly have been going on with the site portal. From " site maintenance '', to not even allowing me to click on tabs and the page constantly reloading I've been caused to miss a payment. I've called the provided XXXX numbers that do not seem to work, I've gotten busy tones and the call just dropping. I've called the dealership directly and each time i was forwarded I'd get the same busy tone and or told i would be called back and never received one. This is quite disappointing from such a prominent auto company and I'm highly considering ending my lease and a Porsche customer should not have these many problem simply trying to pay a bill and now i have the result of this being 30 days late on my credit again.
Consumer complaint received 2018-12-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

This is a company that has bought the written off loan. When they answer the phone all they say is business office ... .. They wont give me a name of their company. Just say it's regarding a loan with Ace Cash Express. They call my phone during business hours, if I don ; t answer they call my work and then they start calling old family members, none of which were EVER listed on the application. They did a search of my old address and pulled any number associated with that address. 
I have called repeatedly asking for an address to write them a cease & desist letter, and they will NOT give me an address. They want my information, but will give me no information in return.
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (MA)

Vehicle was purchased on XX/XX/XXXX and first repair was on XX/XX/XXXX mileage was under 12k. We have been to the dealership 4+ times to fix the issue XX/XX/XXXX we went into the dealership for an oil change they found a leak which the could not find the issue first said it was the transmission leaking then they said was a leak in the oil line kept car for a month finally replaced the transmission case. Car was said was fixed. We brought car back in XX/XX/XXXX for a noise which car started to vibrate GM got involved and had them run a test which now the said it needed new breaks which they replaced. Brought the car back in on XX/XX/XXXX for the same noise and dealership could not find the problem again they contacted GM again  as I did and updated of my issues and they said they cant find the issue but could here the noise brought car back in again 6 days ago and still cant find the issue GM said to run the XXXX again which was completed and still no resolution now the car sensors are going crazy. Dealership has tested everything and cant find the cause of it could be transfer case again not sure. This is a new car and we have had so many issues its has been in the dealership for over 60 days looking to get out of this lease and get into a new car I'm pregnant we have XXXX kids already and not feeling safe in the car. We have been complaining to XXXX and GM FOR MONTHS to help us get out of this car. As you can see the car has issues was going to file this car as a lemon with the lemon law because I have all the docs to prove and times I have been in the dealership. Need help on getting this resolved as we are not feeling safe in the car as GM and XXXX have been fixing the same issue and car is still not fixed.. The car is again at the dealership and we have no updates and GM is saying we cant repurchase because its still under warranty which hi have an email from GM saying this.. The car has been in 4+ times on the same  issue and GM is not helping to replace this vehicle
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C. (OK)

Love , Beal & Nixon , P.C . Of XXXX  XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: MARINER FINANCE, LLC (NV)

Mariner Finance has repeated called me, several times in one day after leaving a message. Additionally, they left a voice mail asking if I made my payment ( on my voice mail ), one representive threatened to sue me, another representive hung up on me in mid conversation, and called me before XXXX several times ( continued to call after I told them I was on PST time zone not EST ).
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 2020-09-24
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX  mastercard with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

I disputed my previous name. I am recently married and was denied a loan application because Equifax had not updated my name properly. I have tried to access a new report but the error message says my name does not match what is on there system.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 2018-12-28
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. (OH)

XXXX XXXX XXXX, is reporting an unpaid account in my maiden name for an unpaid account that was sent to collection. I contacted them after disputing the account but the company certified it as accurate with Experian. The address was for an address that has never been associated with me. I haven't used my maiden name for at least 15 years and I had XXXX for 14 years. I haven't had XXXX XXXX XXXX for 20 years and didn't owe a balance and I've never had services with XXXX. Clearly XXXX  XXXX should not be certifying this debt as accurate on my credit report. It is false.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have asked XXXX Credit Reporting agency, Equifax credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to XXXX was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

XXXX has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure XXXX did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (MA)

XXXX XX/XX/22 four XXXX were taken out of account. XXXX, XXXX, XXXX. Bank claims I approved transaction. I did not approve. Bank said I had a right to see emails they used to take the money. They refuse to send these emails. Have gone to closest branch, talked to fraud dept, always say will send within 10 days. Nothing. Have gone to bank at least 4 times. They will not give our money back and will not send the emails, which I never got or would have approved. Thank you
Consumer complaint received 2018-10-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc. (KY)

GLA Collection company called me on XX/XX/2018 at XXXXXXXX XXXX and said that becuase I did not hang up the phone I must be XXXX XXXX and that if I did not pay them {$180.00} tonight I was going to face a lawsuit seeking summary judgement. 

I am not the person they are looking for
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (GA)

I am writing to dispute the following information in my file. I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below..

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the name, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing the credit inquiries, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 


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Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act acct # XXXX XXXX XX/XX/XXXX, XXXX XXXXc XX/XX/XXXX, XXXX acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX XX/XX/XXXX has violated my rights. 

15 u.s.c 1681 Section 2 states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have the problem with Santander bank. Start from XXXX, I didn't know some money with amount {$1100.00} kept depositing to my mortgage account on XXXX of every month, till XXXX total 4 times.I contacted them immediately in XXXX, and asked for who paid it, but I didn't got the answer, and I was told just need to pay the remaining balance. but from XXXX, I paid full mortgage payment. at the beginning of XXXX, the guy who paid to my account by mistake called back the money, it is normal and understandable, but the bank even reverse all the payment even paid by me. and told me I didn't pay since XXXX, I kept calling them, almost every day. nobody give me a solution, they just kept change my balance, every week I receive a difference number need to pay, finally, I was told by customer service, they didn't accept any payment before they making it clear, I should wait their notice, but after that they reported me their lost mitigation deportment, and informed for pre foreclosure. till now the statement is not correct, it is difference with what I got from the phone call, I still don't know how much to pay. I just paid them based on my calculation. but the still reported to consumer report which impacted my credit history. I can't imagine such a big bank, no body can do the correct calculation?
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OH)

I recently found that Naviant had filed delinquencies on my Credit Bureau. I was a co-signer for my son 's Student Loan and he had fallen behind. The loan was re-financed without my knowledge and when I called in the last 12 to 18 months to inquire about derogatory items on my Credit Bureau, I was told that it would take 6 months to resolve. I followed up by pulling my Credit Report and my score had continued to drop. I called Naviant again and they would not take my call without my son or daughter-in-law. I called with my daughter-in-law and they stated that they did have a recorded call of me being told this would be resolved in 6 months but there was nobody there that knew how to remove me as I was promised.