davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (LA)

Letters were delivered certified mail to Santander Consumer USA XX/XX/2021 and I have confirmation it was received. Santander Consumer USA has failed to validate the debt as well as cease any and all illegal activity. I've yet to receive a response and Santander Consumer USA is still reporting on my consumer report which is in fact ruining my reputation. I have not given consent to, authorized nor benefit from this account. As a consumer I have a right to privacy.
Consumer complaint received 2021-05-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (IL)

I did numerous attempt for them to validate this debt and if this was done legally in my state ask for proof of sale and ammount sold to they send me 4 times nothing related of what i ask for and if they have the legal right to collect in my state the last letter i send them specifying what i needed as show in the upload picture of what they send me is more then 120 days of requesting a validation of collection under my name and contract of sale i will upload proof supporting my request. I send enough evidence of my indentity and i try communicating with them by mail ever since
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 around XXXX i tried to use my cell phone but it did not dial out. I called my cell phone company T mobile and they told me that someone transfered my phone number to Metro Pc wireless phone company. T mobile Supervisor conntected Metro Pc and explaind to them that my number was hacked and transferred to them without my authorization. T mobile was able to retrieve my phone number from Matro pc aer 2 hours and reactivated my number XXXX once again. Right aer that happened i could not sign in to my yahoo email, my Coinbase investment account or Binance us investment account. I contacty yahoo and they did reset my password. I tried to call Coinbase and XXXX but they do not have customer service phone numbers. I did search this companies emails and sent them emails letting them that someone hacked my cell number and i am not able to sign in and requested that they freeze my accounts and not to accept any transactions. Coinbase and XXXX investment were very slow to act and took time responding to my emails. On XX/XX/2021 i called XXXX and XXXX bank and found out that there is unauthorized transactions from Coinbase and from XXXX XXXX. XXXX and XXXX is conducting investigations. On XX/XX/2021 found more unauthorized transactions at XXXX bank by Coinbase and by XXXX. 
I been sending several emails to Coinbase asking them to refund my money but they refused and they keep sending me emails that the case is closed and final.
Consumer complaint received 2021-05-31
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. (OR)

Identity thief has been impersonating me to Experian for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (CA)

I had a car loan with XXXX XXXX, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a XXXX XXXX employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CT)

I called the company many times, and tell them to fix the amount on my current balance because is inaccurate and incorrect. It shows on my credit report as {$1200.00} and I only owe {$360.00} they said they cant do it, with our giving me an explanation. 
On XX/XX/2021 I submitted a dispute with XXXX and I was notified that the company states that information on balance in accurate. 
Today is XX/XX/2021, They are not correct and they are giving me a lot of problems because is damaging my credit score with false information.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2020-11-04
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. (NC)

On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT
Consumer complaint received 2021-10-22
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: General Motors Financial Company, Inc. (CA)

I had a car loan with GM Financial, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a GM Financial employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One Bank has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2021-10-22
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)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. XXXX XXXX Inquiry from XX/XX/XXXX Finance 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance
Consumer complaint received 2021-10-22
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: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/CARECR. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXX is reporting a negative mark on my credit on a tax value bill on a car that was payed off in XX/XX/2020. After contacting them they stated that attempts through call and mail were made. I never received a voicemail notifying me of a call back. Mail has been extremely delayed for me due to the pandemic and notice of the balance was received after the negative mark was placed on my account. Sad part is I bought another car for them. This has been the worst communication a lender has showen. Ive never missed a payment on any of my account. When trying to come to a solution, they just didnt care.
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2021-10-22
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)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NH)

On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. 
There is a case number and an ID number which I am not including because it may pertain to someone's personal information. 
The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. 
The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TX)

American Profit Recovery has placed a collection on all three of my credit reports. I have never done business with them or any business associated with them.APR claim I owe them {$170.00} but have not sent any proof of a contract I signed with them or anyone else. They have used illegal tactics and threats trying to get me to pay this {$170.00}. They have affected my credit by adding this false information to my credit reports.
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (GA)

I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the Equifax Information Penetrate.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX has sent me a letter Im attaching to this complaint, that they have removed my account from their system and marked it as fraudulent. Removing me from any responsibility for the account, which was previously a charged off account. 
Experian refuses to remove the account for the last 60 days now and refuses to allow me to show them the letter from premiere. Saying account can never be disputed again I dont need to dispute the company removed it. 
Why Experian refuses to comply is a gross violation of the FDCPA, FCRA and the FTC.
Consumer complaint received 2022-04-28
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: JPMORGAN CHASE & CO. (CA)

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 an account without my written instruction.

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 2021-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My account is still showing as behind. They are sending me several letters about being behind when I called in XXXX to clear it up and paid what they said was owed and have not missed a payment since. However they have put my account as delinquent on my credit report. 



On XX/XX/2021 I made a payment of XXXX. On XX/XX/2021 a payment was made on my behalf and a payment of XXXX was made on my behalf. Why hasn't it been processed? There is literally nothing on the site that it updated and you have to call in for everything. I called in on XX/XX/XXXX, and told that my balance was XXXX. It hasn't been updated or changed to reflect current amount due. I also made my XXXX payment and still it is showing online that I owe for XXXX. All of my payments are reflected in the screenshot above. XXXX and XXXX were paid from my sunburst account I have proof. 


Can someone please call and explain what is doing on? I have proof of all of my payments. Why was it put on my credit report when all my payments are up to date XXXX XXXX XXXX
Consumer complaint received 2020-08-25
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: ENCORE CAPITAL GROUP INC. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed negative and inaccurate and incomplete information on my credit report with all three bureas Transunion, XXXX XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

LVNV filed a lawsuit in the state of Virginia in the city of XXXX for a debt on a closed credit card account with XXXX XXXX XXXX which took place as a video meeting with the judge, due to COVID-19 in XX/XX/2021. I filed a dispute with the company, XXXX XXXX XXXX and the XXXX District Court House submitting interrogatories highlighting the validity of the debt and their legal licensing authority. I submitted a copy of the Fair Debt Collections Practices Acts within section 609 and the company was ordered to stop their collection practices and answer the interrogatories via a court rebuttal filing to me as well as to the XXXX County Court Clerks office. As of XX/XX/2021, LVNV continues to report negative impacts to my credit bureaus XXXX, XXXX and XXXX. Ive submitted disputes to these credit bureaus and have placed a lock on my credit file. Nevertheless, LVNV is still reporting negative balances with increases deterring my good credit rating. 

I am seeking removal of this account from all 3 credit bureaus permanently.