davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (AR)

Hello the vehicle was Damage with over {$7000.00} of work of damages done to the vehicle. The company received the Vehicle resold it and have not reported the correct amount which needs to be pay for the vehicle once the company resell the vehicle I will no longer be responsible for the {$28000.00} that the vehicle loan was loaned for. The company has not reported the correct payoff amount and is reporting it to my credit as a closed account years ago with {$28000.00} to be paid when the Vehicle was sold
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (MI)

XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. 

A XXXX  loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD
Consumer complaint received 2018-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (UT)

I was informed in XX/XX/2015 that I owed {$420.00} to XXXX XXXX for some testing they had done at the request of my physician back in XX/XX/2015. I called them and set up a payment plan where I needed to pay {$55.00} a month. I paid {$55.00} on XX/XX/2015, {$200.00} on XX/XX/2015, {$100.00} on XX/XX/2015 and the final payment {$71.00} on XX/XX/2015. I reviewed my credit history recently and found that they are saying I still owe {$40.00} and they sent that amount to a collections agency to collect on. This was not brought to my attention and is inaccurate, as I paid the full amount due.
Consumer complaint received 2021-06-24
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. (PA)

I have previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Consumer complaint received 2021-06-24
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (WI)

I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency responded by mail with a print out of the debt but not the ORIGINAL contract. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency if ruining my my reputation and creditworthiness and is in direct violation of the FCRA.
Consumer complaint received 2018-10-07
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. (PA)

I have contacted XXXX XXXX credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from XXXX XXXX and XXXX XXXX XXXX. I was sent a notice from XXXX XXXX that the investigation was complete and the debt is mine. I have not received any detailed documents from XXXX XXXX about this debt. XXXX XXXX is fraudulently reporting this balance of {$600.00} on my credit report.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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: MIDFIRST BANK (NC)

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 open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
Consumer complaint received 2022-05-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

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 open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-18
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is unfairly holding my funds in the amount of {$1300.00} in retaliation for a previous claim I filed against them. I had my account closed which was also retaliation. I received funds from the XXXX  for a XXXX  that I XXXX  and XXXX  that came in my name which Bank of America at that time had no policy in place For whatsoever and my loan officer from the XXXX told me this himself in fact he explained to me that receiving a grant or loan from the XXXX could be for a multitude of reasons including but not limited to research and development so it would not matter if I used a business account or not to receive those funds as long as I am the personal guarantor as per XXXX  policy. Bank of America and XXXX XXXX ( Bank Manager XXXX XXXX XXXX, XXXX Il ) did not want to honor those terms so I filed complaints with the attorney general, cfpb, fdic and other respective entities and he and his boss ( XXXX ) quickly obliged and released my funds because they knew they didnt have a policy in place but later retaliated by closing my account and now holding my funds. They are now stating after they released the funds to me months ago that I must provide documentation for my business to receive my funds which is most likely from a policy that they adopted after my interaction with them. This is discrimination, retaliatory and egregious at a minimum and I demand my funds be released to me without delay. I filed a claim with Bank of America XXXX XXXX XXXX XXXX was my point person from there resolution department but he never got back to me at all after I left several voicemails. This is a conspiracy to inconvenience me and I intend to seek legal representation and damages.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that Franklin Collection Services had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the spreadsheet letter I received from Franklin Collection Services that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST HORIZON BANK (TN)

I have tried at LEAST 4 times to get a company in Florida to take off this bill of XXXX. It was fraudulent. I found out and immediately went to my bank. First Horizon checked into the company, and determined it wasnt me, it was fraud. I have sent in my paper from the bank to XXXX XXXX and its STILL on my account. Im NOT paying this bill, because the Fraud Department at my bank said I wasnt responsible. Im really tired of seeing this collection. I have no money, I applied for disability and just waiting now. Its XXXX thats all I know about this company. The bank called and it was disconnected. 
I need help ASAP. 
Thank you, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. While I am understandably frustrated by this situation, I understand that errors can occur unintentionally. I trust that you will take the necessary actions to promptly correct this issue. I maintain detailed records of my payment history across all accounts, and it is inconceivable to me that there would be any instances of late payments reflected in these records. 

These incorrect late payment entries are negatively impacting my ability to obtain the credit I need, as they are significantly lowering my credit score. I have consulted with professionals who have confirmed that there are legal protections in place to prevent the dissemination of inaccurate credit information. 

I take this matter very seriously, and I kindly request the swift removal of the late payment designations from my account. 

Thank you for your attention to this matter. I eagerly await your prompt resolution.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX FOR SALE IN XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

Hello, My husband and I tried to use Experian to get our free credit score and report in XX/XX/2016. 

To use their free service, one must submit credit card number and agree to their free trial period, which can supposedly be cancelled anytime within the trial period without incurring any additional charges. 

However, when I tried to log on to their website to cancel my trial period, the website was inaccessible. Each time, my login failed, and when I answered all the security questions, those failed as well. Every Single Time. My social security number did not change, nor did my mothers maiden name. Yet Experians website claimed my answers did not match their records, so they could not access my account.

Subsequently, we have been charged every month for 32 months for a service that we neither desired or could even access. The charges started at {$21.00} per month, per person, but are now up to {$24.00} per month, per person. To date, we have been charged over {$1200.00} for a service that we never desired nor could access. 

When I finally called to request a full refund, I was told that I had agreed to all of this and a refund was not possible. 

Please force Experian to issue a full refund for my and my husbands accounts and also enact severe legal consequences against them for committing fraud against their customers. 

Thank you.
Consumer complaint received 2019-03-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-05-03
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: CARMEL FINANCIAL CORPORATION, INC. (DE)

CARMEL FINANCIAL COR Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.
Consumer complaint received 2022-05-03
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.