davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate the attention given to removing some fraudulent items from my file purportedly stemming from fraudulent activity. However, there are still outstanding items requiring removal. As a victim of fraudulent activity, I reiterate my request for the removal of these items from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), not later than four business days after XX/XX/XXXX. I have previously addressed this matter in both the FTC report and letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, some of the information provided on certain items is unfamiliar to me and has been expunged from other bureaus, casting doubt on its accuracy. This correspondence serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action should there be willful noncompliance. Please find below the listed items per bureaus that require removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$490.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IN)

I have a loan with Santander USA for an RV. I have made some additional payments which I wanted to go toward principal reductions. Those additional payments and dates were : XX/XX/XXXX {$80.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2000.00} My regular scheduled payment is {$1900.00} I have been sending {$2000.00} wanting the additional amount of {$22.00} to be applied to principal. I am not sure if that is being done or not. Those payments were on the following dates : XX/XX/XXXX XX/XX/XXXX I contacted Santander on XX/XX/XXXX after I received a statement and viewed my transaction history. I was told the XX/XX/XXXX & XXXX was credited to interest, because that is the way they do things. I further explained to them that the additional payments on XX/XX/XXXX & XXXX should be for principal reduction. I was told they would look into it. I have been signing into my account expecting to see a correction, but to date that has not been done.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Hello, My name is XXXX and I'm experiencing issues with Navient Student Loans reporting late payments to the credit bureau. Below is the sequential events that caused my account to be considered delinquent. 

1. I was approved for forbearance from XX/XX/XXXX - XX/XX/XXXX. My first payment was due on XX/XX/XXXX. 
2. On XX/XX/XXXX I was rear ended in a car crash and taken to the ER. I remained in the hospital for 5 days but wasn't released back to work. 
3. Due to being out of work for my accident, I was required to apply for FMLA/XXXX XXXX XXXX. As a result of being out of work, my time was not entered into XXXX and I wasn't paid resulting in the XX/XX/XXXX payment to reject. 
4. I received a letter on XX/XX/XXXX advising that my loans are at least 10 days past due but I still had time to make a payment to keep my delinquency from being reported to the credit Bureau. The document provided a breakdown of the amount owed and displayed an amount for 2 months ( 2 missed payments ) 5. On XX/XX/XXXX I made a full months payment that posted on XX/XX/XXXX ( 2 days prior to my due date ) which according to the delinquency letter should have removed 30 days ( 1 cycle ) from the total days my account was considered late. 
6. On XX/XX/XXXX I made another {$1.00} payment to enroll back into retroactive forbearance that was applied from XX/XX/XXXX - XX/XX/XXXX. 
7. On XX/XX/XXXX I received a confirmation letter confirming my forbearance was approved and specifically under the credit reporting heading, the document reads " If your loans were delinquent and your loans have been reported to the credit reporting agency, information reported BEFORE the loan was processed will not be removed '' 8. On XX/XX/XXXX I received an alert from my credit monitoring service that my Navient Loans were reprted between 90 days late for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though my forbearance was processed 3 days prior to being reported as late to the credit agencies. 
9. Today I received a new alert showing that XX/XX/XXXX 's late payments were removed but now XX/XX/XXXX is now showing as 120 days late.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I paid my loan in full and with Hyundai posted the payoff on XX/XX/2021. I discovered that a second full payoff disbursement was initiated from my bank account in error. I contacted Hyundai customer service on XX/XX/2021 to notify them I sent payoff funds twice - XXXX twice. They refused to reject the second pending transaction stating they were unable to do so. Rather than reject or return the duplicate payoff funds, Hyundai posted the second XXXX to the account on XXXX when it was showing a XXXX balance due. I have made multiple phone calls to Hyundai customer service to get the funds returned immediately. They have refused each time to escalate a check back to me and are saying I have to wait 45 days for the money. I am XXXX years old and need this money back in my account immediately to pay bills. Hyundai should have immediately returned the funds because there was no outstanding balance. Further, I communicated this to them right away. I am requesting Hyundai immediately return the {$9500.00} to me.
Consumer complaint received 2020-02-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC (GA)

Disclaimer : I do not know the name of the company calling, only that they call from XXXX. They identify I believe as XXXX, but identified themselves to my mother as UHC and claim they are a pre-legal collection agency calling on behalf of XXXX XXXX. 


The loan was taken out in XXXX of XXXX. The company that keeps calling me has not identified themselves, only the representative named XXXX. She identified the company as a pre-legal collections agency. 

This started when the company called my mother ( a reference for the loan ) on XX/XX/XXXX and advised her that I had a debt with XXXX XXXX XXXX XXXX and I should call XXXX extension XXXX because I have attempted to defraud the company and they will take legal actions against me. I then called the company directly and advised them that as far as I know legally, they can not share specific information with my mother and that I was not going to be paying this debt. 

This company proceeded to call me over the last few weeks despite me asking them to do what they needed to do. Today, XX/XX/XXXX, they called me twice back to back. I called them back ( forgetting whose number it was ) and the woman, XXXX, who spoke to me was very defensive when I asked who was calling and why she needed my mailing address. She stated that I've talked to this office before, so I should know. When I explained I did not remember, she said " so you're saying you never spoke to us? '' I repeated, I don't know who you are - I don't remember. '' I then realized who it was and hung up. They then called me again twice more then called my brother 's phone ( also a reference ) and also told him they were calling me regarding a legal matter and I should call back as soon as possible. So I called them back and advised that this was harassment, at which point they responded that they were entitled to call me as many times as they wanted, and divulge information to whoever they wanted, because they are a pre-legal collection agency, so by law they can do that. 

I do not know the name of this company but I have the notes from my mother 's conversation with them, the voicemail recording my brother received, and a record of both missed and answered calls by them. They have not only threatened to but have actually contacted others to share information improperly. They have threatened to take legal action ( sue me, claim I attempted to defraud them ).  They have placed frequent and repetitive calls. They've used threatening language. They've kept calling even after I've told them to do whatever they need to do but to stop calling.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

trans Union XXXX and XXXX are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by Trans Union while XXXX and XXXX report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by Trans Union and XXXX as XX/XX/XXXX while XXXX is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by XXXX and Transunion reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I have contacted the furnisher and they approved of REPAIRING and UPDATING the account, you there at Experian still chose to continue reporting this damaging information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}
Consumer complaint received 2022-10-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (PA)

On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (VA)

5 years ago I got a HELOC to pay off some credit card debt. 1 of the ones paid off was XXXX XXXX. Seeing how it was paid off from funds through a HELOC I have the amount written in a check register. I do not have access to a canceled check because the bank I had atvthat time has since been sold. I explained to these people that they were paid in full 5 years ago. About 1 year ago they have started putting on my credit report that I still owe them and I do not!! Why would they wait 4 years to notify someone they owe them. Think what I just stated. They waited 4 years after I paid them to say I didn't pay them. Would you wait 4 years to report a bad debt. I have been and will keep disputing this debt. I do not owe them not 1 penny. I'm sick of the constant false reporting on my credit and I'm sick of the harassing calls. Now they are sending stuff to my wife who had nothing to do with my debt that has been paid. It needs to stop now or else. I'm so sick of being harassed by XXXX XXXX and the companies they have supposedly sold my debt to. They need to leave me alone. I'm not giving them any more money.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022 I mailed letters to Experian, XXXX and XXXX. Here is my tracking : Experian : XXXX XXXX : XXXX XXXX : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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 2019-10-09
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: ProCollect, Inc. (TX)

submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove it.
Consumer complaint received 2022-10-11
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: EQUIFAX, 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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX / XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX 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 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 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.