davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (VA)

I have two accounts that are reporting twice each. I originally had an account with World Finance and Peoples Finance both in XXXX SC. Eventually one bought the other company so the account is on my credit report four times. It was sold to XXXX XXXX XXXX XXXX. I settled the two accounts and had it removed under the " World Finance '' umbrella but its still reporting under Peoples Finance.
Consumer complaint received 2022-09-01
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. (FL)

XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX  - XXXX Fraudulent account
Consumer complaint received 2018-06-18
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. (FL)

I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with XXXX XXXX XXXX. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and Equifax has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX confirmed the identity theft and deleted the XXXX XXXX XXXX  account as well. Both XXXX and XXXX XXXX show my credit history as excellent. Equifax is being duped by XXXX XXXX XXXX  as they state that the fraudulent account is valid, which is a joke. XXXX XXXX XXXX  is in violation of the subscriber agreement they have with Equifax pertaining to accurate reporting. Each day that XXXX XXXX XXXX   carries this item on my Equifax report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if XXXX XXXX XXXX  continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

All 3 credit bureaus ( Equifax, XXXX, and XXXX  ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( Equifax, XXXX, XXXX  ). 
I'm usually a very understanding person but this is just XXXX. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus
Consumer complaint received 2020-09-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  opened multiple accounts at my address in order to solve issues I was having with service during the moving process XXXX XX/XX/XXXX ). At the end of my time with them as a customer I closed my known accounts and paid off my bill XXXX XX/XX/XXXX ). Unknown to me was a second account in my name that was still past due. Rather than contacting me, they waiting 18 months and submitted to collections XXXX XX/XX/XXXX ). Of course, the collections company had all of the account info ( including account number ) so I could track down the account associated with this issue. I promptly paid XXXX  ( XX/XX/XXXX XXXX once I understood where the charges came from. I then submitted to the major credit reporting agencies as dispute to have this removed from my credit report as it is pulling my credit score down by well over XXXX points. XXXX  removed it XXXX XX/XX/XXXX XXXX as did XXXX. I submitted two disputes to TransUnion, both of which were denied. Current status is paid and to be removed from my report XX/XX/XXXX.
Consumer complaint received 2023-03-31
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. (TX)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened an account with Bank of America on XX/XX/XXXX of 2020, me and my husband got our back dated unemployment checks from Oregon, they came in many separate checks. My husband deposited all of his checks on the XXXX in the amount of XXXX when we opened the account and I deposited all of my checks in the amount of XXXX on the XXXX. Right after I deposited my checks the bank put a hold on our account, which made the account look like it was overdrawn, it said I had XXXX in my account. I Of course called them the next day freaking out because it looked like I was overdrawn but they assured me it was an account hold. I got transferred to too many different departments to remember with no help and no one could tell me anything about this hold. I waited 48 hours then called back, after transfer after transfer I got one lady who  told me she would take the hold off of my account and she did, that was XX/XX/XXXX. I was told my account was open and that I was free to use it and then the following Monday, XX/XX/XXXX I made several transactions on the account and promptly after that my account was put on hold again. I called the next day and I got the run around again. I was told that my account was put on hold again for the original reason of the many deposits made when opening the account and that I would have to wait 48 hours. I called them again on the XXXX to get them to take the hold off. I was told that it takes 10 days now for the hold to come off and that I have to wait until the XXXX. Im am tired of disputing this problem with Bank of America, I feel as though no one can help me and that this is some kind of bank fraud, Ive had the account for two weeks and can not touch my money. Not to mention that my account has been on hold twice for the same reason and I was assured on Friday the XXXX that my account was off hold and I could use it, just for Monday the XXXX to come around and it is back on hold as soon as I try to make any transactions. I want to make a complaint against this bank for wasting all my time just to give me vague answers and not help me with my problem While holding my money from me. Im hoping to get some kind of help or action and to have this bank held responsible for all the misinformation given to me. Thank you.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Collections U.S.A., L.L.C. (PA)

My name is XXXX XXXX XXXX and on XX/XX/2021 I sent a dispute to the credit reporting agencies regarding this medical collection account listed on my credit report. I also reached out to the collection agency to request information that provides proof that this medical bill belongs to me. The collection agency CR COLL/USA for XXXX XXXX XXXX, MD. The account # XXXX. They said they sent validation but NEVER did. I was told that they will never take this medical bill off my credit report even if it was paid. I NEVER seen documentation because they refuse to send me validation information. I didn't sign any medical release form and I have ask to have this debt removed off my credit report.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate resolution.
Consumer complaint received 2023-03-31
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)

Consider this as my Follow-up complaint to ensure that these items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/2022 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Consumer complaint received 2022-08-17
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)

When I reinvestigated my credit report, I see that the inaccurate accounts was still reporting erroneous in my file. The XXXX and TransUnion credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (AZ)

Spoke to agent and immediately requested to revoke my ach and pay off loan XX/XX/2023 approximately XXXXXXXX XXXX Az time. Spoke to an agent from cash advance now at XXXXXXXX XXXX Az approximate XX/XX/2023. Requested financial hardship assistance due to XXXX. Advised could not assist. Asked Agent what would be my pay off for XX/XX/2023, advised me {$660.00}. Advised I would try to get the funds to pay off loan. Called today XX/XX/2023 was advised due to a pending. ACH for XX/XX/2023 unable to pay off loan and revoke ach ( after agent took my debit card details ). Asked to speak to a supervisor. Supervisor advised me I needed to call atleast 2-3 days before ACH withdrawal to revoke authorization. Advised Supervisor unfair practices for Cash Advance Now. Was also advised I could only do a pay off for XX/XX/2023 via ACH and not debit card ( more daily interest ) the due date and the pay off would be {$690.00}. XXXX advised the modification to my ach would send a email that would state needs to revoke authorization for ach atleast 2-3 days before withdrawal. Email does NOT state this. Copied directly from the email You agreed that this Automatic Payment Authorization Change Notice will remain valid and in effect until your loan, including principal, finance charges and other charges, is paid in full. However, you may revoke this authorization at any time by contacting your bank, by calling Cash Advance Nows customer service line at XXXX, or by e-mailing us at XXXX. XXXX lender. Beware!
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items ASAP. Thank you. 
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 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 XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I recently sent a dispute letter to XXXX XXXX Equifax on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to. 


15 USC 623 : 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.

15 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

There is an account in my file as authorized person. I did not authorized this in my file and did not know who did. 
Capitalone XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX
Consumer complaint received 2020-09-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All 3 credit bureaus ( XXXX, XXXX, and TransUnion ) have not responded to my letters since XX/XX/2020. 
XX/XX/2020 a debt verification letter was sent out to the bureaus and I received no response well over 40 days. 
I tried to be understanding due to the pandemic so XX/XX/2020 I wrote another letter to them stating due to them never responding to my letters by law they have to delete the accounts in question and its now XX/XX/2020 and I still haven't received any response from any of the 3 major credit bureaus ( XXXX, TransUnion, XXXX  ). 
I'm usually a very understanding person but this is just Ludacris. My credit is very important to me and right now the negative items in question are hindering me and my family from being able to move forward in life and I feel like the Credit bureaus aren't taking my request serious. This has to be against the law. I have went 115 days with no response from all 3 credit bureaus