davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (MA)

Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 
I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 
Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional  finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they  making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.
Consumer complaint received 2021-12-21
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. (NJ)

The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.
Consumer complaint received 2017-08-24
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: Bread Financial Holdings, Inc. (PA)

Pay Pal placed 5 inquires on my credit. 4 on XXXX, two of them were on back to back days XX/XX/XXXX and XX/XX/XXXX, one on XX/XX/XXXX, another on XX/XX/XXXX for  XXXX and then one for XXXX XXXX XX/XX/XXXX. I disputed these inquiries with XXXX and XXXX XXXX, they told me to contact the Creditor directly. I contacted Pay Pay and explained the inquiries were un authorized and could they provide me with documentation to show that I personally made those inquiries. They sent me a letter stating that the inquiries were authorized because of a check mark listed on an online application that says they can run my credit, however ; they did n't provide me with the copies of the applications or anything to show that I made those inquiries, they were not helpful to me in any way. I even have a fraud alert listed on my credit report and Pay Pal made no attempt to go through security measures to verify my identity.
Consumer complaint received 2021-07-16
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. (PA)

My credit report shows two hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. They misguided me and I was merely asking for home mortgage interest rate and they could have given me a quote based on filling application and information and not pulling credit at all. So they asked me to fill application on XX/XX/XXXX which possibly pulled my credit and did not inform that they will be pulling my credit again. So the credit pulled by XXXX XXXX  on XX/XX/XXXX on credit report was not authorized by me as a consumer and I would like to dispute it and get my credit score back to normal. They don't believe the second pull is hard pull but they pulled my credit twice without my consent.
Consumer complaint received 2020-07-21
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)

ftc violations wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX accounts : not mine XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX   Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$590.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2300.00} Term Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Creditor Name XXXX XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$700.00} Term -- XXXX XXXX XXXX  Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date -- Limit {$400.00} Term -- Monthly Payment -- XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Accoun XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company has contacted me several times about a debt that I am not aware of. They continue to call me and contact me at odd hours. This latest time they have called me at XXXX despite me telling them I do not own the debt and to not contact me. Please stop contacting me ASAP! 

This company said this debt belongs to XXXX XXXX XXXX  for a master card. I do not own this debt. Please stop contacting me.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NM)

Hi, I have a XXXX account # XXXX, which I have disputed with Experian for since XXXX XXXX, 2015. Please find attached the police report for your reference. Please note that this account resulted from identity theft and due to an error on the police report where this account was listed as a XXXX account instead of an Experian. This account never existed on my XXXX report.
Consumer complaint received 2021-03-03
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. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and XXXX XXXX Account number XXXX that is still in dispute after 60 days. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about thes 2 unverified accounts as of today. Thank you
Consumer complaint received 2017-08-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc. (MO)

This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is XXXX
Consumer complaint received 2021-09-14
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: Checkr, Inc (AZ)

I've tried contacting Checkr through phone and email. Their phone is useless since it doesn't take calls. Their email just sends the user to automated response. This company is reporting false information about me. They need to take responsibility for their actions and fix this. I'm appalled that any business would use this company to gather information. What a joke.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NH)

This complaint is XXXX legitimate. The debt collection agency has been fined millions of dollars in the past by the Federal Trade Commission. In this case, XXXX XXXX picked up my information from an XXXX credit card that went into default in 2008. For that matter, XXXX is now off my Experian report due to the 7-year rule application from the Fair Credit Reporting Act. This account can not be enforced under New Hampshire, and Experian did a poor reinvestigation and should easily see that XXXX XXXX has re-aged the credit item to give the appearance that the account can still be legally collected and/or reported. Experian has no other recourse but to delete this credit trade line as the original trade line with XXXX has already been taken off credit due to its legal attachment limit on time, that being seven ( 7 ) years. This item need to be deleted immediately and permanently.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TN)

A former landlord mistakenly sent our account to collections. After multiple attempts on our landlord 's part to contact the collection agency to cease their attempts to collect the debt, we continue to get calls from the agency, including one just now where the agency called and hung up immediately.
Consumer complaint received 2020-07-21
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. (AZ)

sent 609 and 611 letters to original creditors and credit bureau for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (UT)

I am absolutely disgusted with American Express, and they should be absolutely ashamed with themselves. 

I applied for a card for the sole purpose of balance transferring. On the website, there is no area to indicate how much of a balance transfer limit is needed. I was " approved '' for {$1500.00}, which is {$6500.00} less than what I needed. 

I contacted the " customer care '' department and after waiting 25 minutes to speak to someone in a US based call center, the woman was rude and abusive. She said that I had to wait for the card to come before requesting a balance transfer increase. I then asked why I was hearing a " beeping '' in the phone, and she stated that I was being recorded. I then said that I will turn on my recording device on my phone ( as is legal under Utah state law ). The woman became even more abusive saying I had no right to record, yet she had a right to record me. The woman hung up the phone. 

I called back yet again and waited 15 minutes to be transferred to a US call center. The agent there said that as soon as the card arrived, it would take " a few minutes '' to do the balance transfer limit increase. I waited for 13 days with no card arriving. Finally, I demanded a new card be overnighted, to which it was. I finally called back and gave the " supervisor ' my card number, who then told me it would take an additional 2 weeks to get an approval back on the balance transfer request. 

I said that this kind of behavior is atrocious and how dare they treat clients this way. I asked to have the balance request cancelled. I then received an email stating my card and account was closed, an action not authorized or approved by me.
Consumer complaint received 2021-09-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. 
XXXX XXXX. {$60000.00} XXXX XXXX. {$5000.00} XXXX XXXX. {$100.00}
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I am a venmo customer that has never had any delinquencies on my account, and my account has always been in good standing. I mostly use the venmo app to pay babysitters. On Sunday, XX/XX/XXXX, I mistakenly sent {$300.00} to the wrong venmo user. I almost immediately realized what I did, made another {$300.00} transfer to the correct venmo user and then contacted venmo to request that the first {$300.00} transfer be canceled due to my own mistake. I was asked a series of questions and provided all of the answers but was told that it would take 24 hours to get an answer about my refund request. 

Later that evening, venmo emailed me to say that I needed to contact the person that I mistakenly sent the money to and request that they return it to me. I found this strange because the {$300.00} had yet to be taken out of my bank account, but I did contact that person. He told me that he would gladly give the money back to me because it wasn't intended for him and that he had not even used his venmo account for a couple of years. 

He then tried to send the money back to me via venmo but his account was frozen. He then told me that he would call venmo and ask that the money be returned. When he called venmo, he was told that the money would not be returned because he owes venmo money so venmo was keeping the money I mistakenly sent him to collect the debt he owed. He told venmo over and over again that I did not intend to send him the money but venmo did not seem to care. 

When I found this out, I contacted venmo and explained that I was sorry that the person owed them money but that it is not my job to help them collect their debt, and that my mistake shouldn't mean that venmo can keep my {$300.00}. The series of venmo agents I spoke with ( including a supervisor ) said that there was nothing they could do and that I was most definitely not going to get my {$300.00} back. I told them that I would file a dispute with my bank and they said that if I were successful in doing so, venmo would freeze my account and then come after me to collect the {$300.00} debt that I will then owe them! 

This is a very anti-consumer policy for venmo to have, especially during a pandemic. Venmo takes money that a customer mistakenly transferred and refuses to return it because another customer owes venmo money? My hard earned dollars shouldn't be used to help a corporation collect a debt.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2020 I attempted to use my credit card, however, it was declined. I called the company to report this, I was later put in contact with another department. Here the representative told me that my account was closed because I was reported as deceased. On XX/XX/XXXX I called again to learn of who reported me deceased. I was told that they do not have that information. Additionally I was told that someone had attempted to close my account that day. I am writing you for assistance in finding out who requested that my account be closed and reported me deceased.
Consumer complaint received 2018-07-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recover is continuously reporting an account that was closed by the original creditor XXXX XXXX as an open account that was closed by the original creditor in 2013. I have disputed this several times every year and all they do is say it was verified without sending me documentation that this account is mine. This is NOT my account and I am tired of being called everyday continuously by them as they leave messages with my friends and family.I had to block several numbers as they change their number or call me from different numbers in different time zones thus violating the Fair Debt Collection Practices Act ( FDCPA ) I do not have a contract with them and this account was closed 5 years ago according to my credit file last year. yet they refuse to remove this account from my credit file and the Credit Bureaus are accepting whatever they say every time I dispute this. Account is closed! yet the keep harassing me over XXXX do they realize they could be fined over XXXX for contacting me constantly and falsely reporting an account on my credit file?
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX