davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MA)

On XX/XX/XXXX, I received a letter that was forwarded to me from my old address in the mail from a company called " Radius Global Solutions LLC ''. The letter claims that RGSLLC is a debt collections agency who are looking to collect {$1700.00} that I allegedly owe to a former university I attended in XXXX. I requested further information in the form of a detailed itemized bill that would explain exactly where this " debt '' is outstanding in addition to a statement from the university on their letterhead with a handwritten signature further explaining how and why this " debt '' came about. On XX/XX/XXXX, I received a letter that RGSLLC sent me containing an unofficial photo copied student bill that had incorrect personal information and no detailed explanation of the outstanding " debt ''. Upon doing further research on " Radius Global Solutions LLC '', I was met with numerous articles and testimonies that stated the agency is fraudulent and illegitimate. According to the Better Business Bureau, " Radius Global Solutions LLC '' has over XXXX customer complaints in recent history. I then checked my credit score ( which has all of my correct and updated personal information/history ) and my credit report explicitly states that I have no accounts in collections as well as no student loan accounts in bad standing.
Consumer complaint received 2020-10-13
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

The company harassed me by calling me multiple times a day, a lot of times within the same hour, and back to back. I called them numerous times to tell them that i was steadily making payments to get my account caught up. And asked for a payment plan or defer a payment. They would never help me out so that i could get caught up. They then repossessed my vehicle without any warning and charged it off before it was repoed. The payments were always applied to the interest and hardly ever to the principle and the amount i owe is almost as much as the beginning loan amount 5 years ago. After the vehicle was reposessed, i found out that the dealership had charged me {$1500.00} extra for items that were not even on my vehicle. Therefor making my payments higher and my loan amount higher.
Consumer complaint received 2020-10-13
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Norman & Associates, Inc. (IN)

Norman and Associates, a debt collection agency out of XXXX, GA, on behalf of XXXX XXXX XXXX, has sent a collection notice threatening to collect on a debt that is not applicable. The current balance of the alleged debt is {$1300.00}. At the time of the letter, they asserted that they would litigate against me and that they will enlist the services of a local attorney with the recommendation that a lawsuit be filed immediately. 

They have never attempted to verify the debt, only sent letters threatening to sue in the event that I did not pay a debt that I do not owe, per the records attached.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, 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. (GA)

In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated 3 inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that 14 inquires were generated on XXXX, 6 on Transunion, and 9 on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days,  creating several entries. These inquiries were UNAUTHORIZED. I  have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : XXXX XXXX XXXX XXXXXXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX Transunion 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 Thank you for your assistance on this matter.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Yeah there's been a lot of fraudulent in my account banking account checking account 7 I like the last two years and I already reported to to the IRS and to the local police are commercial a verify myself it's hard to verify myself because I own all the banks in all the stocks and bonds and securities. And I have a couple identity reports on my bank account and got reimbursed I didn't eat that money and then lost ID that money to the same people to get the first time then opposed to get credit and all these stores and I'm not letting me get my Consumer Credit based on my name and Social Security. And then by legal rights I have all right heard a Patriot Act to get report of My Consumer Report which states that all my rights are reserved and in that all my right are exercise on because of the foreign land in the entity of the land in a foreign country because I'm from a foreign country on different land and my fellow and sisters chife XXXX which I inhave the same bloodline the oldest I have the oldest bloodline in the world has the keys to the Mayan bloodline which makes me the rarest blood line in the whole earth from when they first started with v which is he way that I own all the land because I have the bloodline from the very beginning so now I feel like that history is repeating itself and is modern-day slavery because what is happening to me and they're not giving me my rights and their vile all of my rights civil rights in every race known to humankind and what is going on is very unethical and deceitful and my name is the XXXX XXXX XXXX born XXXX XXXX XXXX, and then recently found out that that's not my real birthday or birth place in my real name is XXXX XXXX XXXX born XXXX XX/XX/XXXX from the XXXX XXXX. So I am making his complaint to get some clarity so I could claim was mine because my whole life I've been electronic gangstalked harassment
Consumer complaint received 2020-10-13
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

On XX/XX/2018 I requested for a car loan to buy my first vehicle It was a used car The loan was approved, Unfortunately The car dealer he approved me to leave the parking garage With out a full cover car insurance that would pay for any serious damages to the car or the victims this was my first vehicle I thought I was paying for a full cover and he forgot to mention me the car insurance cover part now they over charged me for this car
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

On XX/XX/2019 I mailed a letter to Jefferson Capital which I will attach. I basically requested verification of my debt in order to take appropriate steps to address my debt. It has been over 30 days as of today XX/XX/XXXX and I have not received a written reply from them. I am requesting CFPB step in to get the ball moving with their response as I am attempting to work on improving my credit.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 : Plus 31 USC 3123 says our debts are already prepaid so why is ANYTHING ON MY CREDIT REPORT IN THE FIRST. Therefore I want any late payments removed from my credit report.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (MI)

Sezzle reported 30days late on my XXXX  credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.
Consumer complaint received 2021-09-15
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. (NV)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2018-09-24
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. (WA)

This is my second complaint against Equifax for doing the exact same thing twice. The first time I complained to the cfpb about them retaliating against me for complaining to them and fileing a dispute against a collection agency. The first time Equifax dropped my credit score by XXXX points because I dared question Equifax about their business practices and I felt they were retaliating against me for questioning them. On XX/XX/2018 I filed a dispute against the same creditor. On XX/XX/2018 my credit score dropped by XXXX points again. I know Equifax will make up some excuse for doing this to me again. But it has become very clear that " Retaliation '' seems to be a common practice at Equifax. There is no reason for my credit score to drop XXXX points again when in all actuality my credit score should be improving and the other two credit reporting agencies both show my credit score improving. I have printed copies of my credit score from the other two agencies and they both show my score going up by XXXX points, only Equifax shows my score going down by XXXX points. Equifax who has alot of control over peoples finances should not be allowed to ruin peoples lives financially, especially when they are doing it in retalliation.
Consumer complaint received 2021-04-30
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. (FL)

I am having an issue with Experian in reference to the details that they are reporting on the membership side of my credit. This is directly affecting my FICO Score. I have repeatedly reached out to their company only to be yelled at by their customer service agents and told that theres nothing they can do and to reach out to different parties that have nothing to do with what Experian is reporting. I am enrolled in Experians monthly membership that allows me to view my credit report at any time. There are no negative indicators whatsoever on my credit report. A fact that the Experian customer service representatives have acknowledged multiple times. The issue is on the membership side of Experian it is showing that I have a serious delinquency of 60 days or greater and that I have one account with a late payment indicator. This is not present anywhere on my credit report and I am asking Experian to correct and update the information that they are reporting. They have refused and failed to do this on multiple occasions. If my credit report is not reflecting any negative indicators I should not have negative indicators on the membership side of Experian that they are sending to FICO. Please help.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.
Consumer complaint received 2022-04-05
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. (NJ)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2020-10-13
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

I rented an apartment and lived there for approximately 5 years. When I moved out in XXXX of 2014, I did a walk through with the Manager, XXXX, at XXXX XXXX XXXX. She said everything looked great and I didnt owe anything. Now, six years later, Im applying for a mortgage and a debt from the apartment says I owe {$2000.00} for pet damages. I never had a pet. I called the apartment office and they said all of the records were taken by the previous management company. They gave me the name of XXXX XXXX who apparently ran the complex while I was there. The said the records were all left at the apartment. Finally, I called the collection agency and they told me to pay the debt and they would remove it from my records. I told him that I still had no written copy of why I owed money. I spoke with XXXX XXXX at National Credit Systems , Inc . He sent me a copy of an apartment move out checklist dated two and a half months after I moved out and not signed by me or the apartment manager. It says I owe {$2000.00} for pet damages. I never had a pet and my lease shows that. In addition, I have a witness who lived there at the time that said after we moved out, apartment employees lived there with pets. I have truly tried to resolve this.
Consumer complaint received 2020-07-10
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: Shellpoint Partners, LLC (OH)

I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.
Consumer complaint received 2020-07-27
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: DISCOVER BANK (NY)

ON XX/XX/2020 I SUBMITTED A DISPUTE TO XXXX REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, 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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-10-23
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)

In XXXX I had not been able to make my payment due to the Covetous which I called in and explained but they still marked my XXXX payment as delinquent and 30 days past due which dropped my credit score from XXXX to below XXXX that's 132 point drop in one month how is that even legal in any way now I can't move into a house no one will rent to me and I'm XXXX and I don't know what to do. It took me all year to get my credit up now, it took one month to destroy it  especially when I was able to make my payments in XXXX and catch up on XXXX and XXXX and current to today 's date