davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (CA)

Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.
Consumer complaint received 2023-01-26
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. (KS)

There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized.

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.
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: EQUIFAX, INC. (NY)

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't have an employer and I've asked the TransUnion, XXXX credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by Transunion, XXXX. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by XXXX and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

For years I have been unable to obtain my free Experian credit report on XXXX. I receive the message, " A condition exists that prevents Experian from being able to accept your request at this time ''. When I have contacted Experian they offered to send me a report by mail or suggest that I access the report on their own website. The mail takes time and isn't secure. Their own website attempts to sell me services that I'm not interested in. They haven't provided a solution to fix the actual issue. Most recently when I tried to contact them I was unable to get past the automated system. There wasn't an option to reach customer service.
Consumer complaint received 2022-09-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and Experian and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is Experian reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't Experian or XXXX XXXX reporting any payment history? 

This information is all over the place.
Consumer complaint received 2022-08-29
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and XXXX and Equifax isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and Equifax report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for Equifax and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or XXXX XXXX reporting any payment history? 

This information is all over the place.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

A discover financial s credit hard was found in my hard inquiry on my credit. I did not purchase this credit card. Somebody already has my information i'm sure of it. i need the credit card removed immediately.
Consumer complaint received 2022-09-01
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. (NC)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XXXXXX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is demaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report Thank you XXXX XXXX
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.
Consumer complaint received 2018-03-14
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. (GA)

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (MO)

My wife and I were sold two solar systems by XXXX XXXX XXXX XXXX XX/XX/2022 which was financed by Goodleap. XXXX XXXX arranged for the loans for us. The solar systems have NEVER worked. When we were sold the systems we were promised many things like that the systems would provide enough electricity to totally run my homes 24/7 without using from the grid, NO LIEN on my real estate - they would just get the equipment if payments were stopped, payment to me to pay the first year 's loan payments ( I have not received for one of the systems ), service for the length of the loan, panel replacement if production was less than 78 %, and promised more that is not true. We were asked to " sign '' on the phone and unable to read the contract in detail. XXXX XXXX we contacted Goodleap ( lender ) and requested that they suspend the loan payments until the systems were working correctly. I was told yes, we can help you with that but let me transfer you to another department so you can set that up. When transferred I was told no, we do not do that, you owe no matter what. Several states are investigating XXXX XXXX XXXX XXXX XXXX. My case is being investigated by the Missouri Attorney General. Addresses for the systems are XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have sent certified mail letters to PRA disputing a debt that maybe errounesly on my credit report. I have also submitted a complaint with the CFPB on XX/XX/2018 complaint number XXXX. Portfolio Recovery has responded with an invalid instrument of indebtness according to our laws. which means PRA is in violation of the FCPDA. What PRA provided does not prove that this debt belongs to me. Attached is what was included in there response.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.
Consumer complaint received 2022-09-01
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( 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 permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2900.00}
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was. 

According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX  XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.