davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I have had a loan account since XX/XX/2014 in the amount of {$25000.00} with Santander Consumer USA Holdings Inc. To this day I still owe {$14000.00}. I have made additional payments ( outside of regular payments and they still take interest ). This company is a scam. I need help as I have already given them XXXX on my truck and I am still upside down. You can't get any help when you call them. This is beyond unresonable and I do not know what else to do. I would default on the loan at this time but I am working on my credit and it is very good. 

Please help.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IVE BEEN DISPUTING A FEW ACCTS ON MY CREDIT BUREAU ( TRANSUNION ) AND THEYRE NOT FULLY INVESTIGATING THE ISSUE IM A VICTIM OF IDENTITY THEFT IVE PROVIDED FTC REPORT, IDENTITY THEFT REPORT, XXXX LETTER FORM XXXX, STATING ALL NEGATIVE ITEMS ARE TO BE REMOVED AND BLOCK BECUASE IM A VICITM OF IDENTITY THEFT AND ITS BEEN 4 MOS AND NOTHING HAS BEEN REMOVED OR BLOCKED FROM MY CREDIT IVE DISPUTED THESE ITEMS FOR LAST 4 MOS AND STILL NO RESULTS AND IM THE VICTIM NO ONE HAS VALIDATED THE DEBT PROVING ITS ME BUT IVE PROVIDED ALL DOCS TO PROVE ITS NOT ME AND CREDITOR SAYS THEY BELIEVE ITS ME BUT NOONE HAS PROVIDED ME WITH ANY DOCUMENTATION TP PROVE ANYTHING BUT IM THE VICITIM BEING PENALIZED WITH NEGATIVE ACCTS AND ERRONEOUS ADDRESSES IVE NEVER LIVED AT OR REQUESTED UTILITY SERVICES AT THAT IM BEING CHARGED FOR WHICH IS VERY UNFAIR TO ME AS A CONSUMER. XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX HAVE NEVER VALIDATED ANY DEBT TO ME AND IVE ASKED SEVERAL TIMES TO BE PROVIDED INFORMATION ON ALL THESE ACCTS 4MOS LATER STILL NOTHING BUT NEGATIVE REMARKS ON MY CREDIT REPORT THATS NOT FAIR TO ME ...
Consumer complaint received 2020-07-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

On several occasions, my wife and I have been contacted by representatives at Navient attempting to collect a debt for two other persons bearing our last name. We do not know the consumers Navient is attempting to contact, but the callers are attempting to reach them through us. There are no searchable records online that tie my phone number or that of my wife to any other XXXX, leading me to believe Navient and its personnel are using data broker tools such as TLO or CLEAR and making desperate links between me and the consumers with my last name. 

The most recent caller only identified himself by first name, XXXX. He further stated he was looking for the two people I noted above, believing I was a " possible '' relative. The transcript follows : " Good afternoon, this message is intended for XXXX XXXX. My name is XXXX. Today is the XXXX of XXXX. The reason I'm calling today, XXXX, I'm trying to reach XXXX and XXXX XXXX, possible relatives of yours. We're having some difficulty reaching each of them, hoping you might be able to help us out. Maybe there's another number we should be attempting to to reach them at that you could make us aware of. Maybe you have a way to get them a message or know of anyone who could. Once again, my name is XXXX, I'm calling from Navient, formerly Sallie Mae, trying to reach XXXX and XXXX XXXX. Any assistance or feedback you could provide would be greatly appreciated. XXXX. XXXX from Navient, trying to reach XXXX and XXXX XXXX. XXXX. Thank you. '' The employee XXXX, no last name, is in violation of the Fair Debt Collection Practices Act, 15 U.SXXXX Code 1692b, paragraphs ( 1 ) and ( 2 ), in that he : ( a ) furnished the name of his employer, Navient, without expressly being asked for it, and ( b ) stated the full names of two debtors in conjunction with the employer name which discloses that they owe a debt.

Further, taken together, this action also violates FDCPA, 15 U.S. Code 1692c ( b ), in that the debtors could not have granted permission to Navient to speak with me being that they do not know me.
Consumer complaint received 2024-03-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Jefferson Capital Systems was allowed unrightfully, to, after buying old and bad ( inaccurate ) paper they put a very old collection on my credit report that was already settled. This has caused me great harm, as my score dropped from a near perfect XXXX to XXXX. We explained that we returned all equipment to this now defunct for many years Cell Phone Company, and had a XXXX balance at the time of dissolution of that company many years ago. 
Jefferson Capital Systems has harrassed us, and is trying to enrich themselves on a bad ( Inaccurate ) bought paper. 
Under the FCRA we demand that Jefferson Capital Systems remove this bad paper from my Credit Report ASAP.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

The debt was reported to all 3 bureaus during the months of XX/XX/2023. I reached out to the creditor immediately and requested proof of my ownership of this debt and the original contract. I never received a response! I have had XXXX XXXX XXXX  services for over a decade and have no knowledge of ever getting any XXXX products.
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Your disregard for my requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates investigation of incorrect information. Failure to comply with the FCRA can result in legal action, penalties, and liabilities. I am notifying you of my intent to pursue legal action against your company for failure to comply with the law. Despite numerous requests, you have not investigated or removed inaccurate information from my credit profile as required by law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to address a concerning issue with my credit report. Despite other bureaus promptly removing a fraudulent account due to identity theft, your bureau has failed to do so. The associated banks confirmed the identity theft report and promptly removed the fraudulent account from my records. XXXX and XXXX have already deleted the account upon discovering an error. I urge you to rectify this discrepancy promptly by removing the fraudulent account from my credit report. Failure to do so violates my rights and falls short of compliance with the law. Please delete the following account : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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 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 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
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00}.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (AL)

XXXX XXXX  has reported another person phones and equipment to my account and billed me over XXXX. I have disputed this with them and chose not to bill the correct person and sell the account to debt collectors. This is the second debt collector to report this to this to my credit when this is not my bill.
Consumer complaint received 2020-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have a credit card with XXXX XXXX XXXX  Ive had that credit card for almost 10 years now Ive never been late Ive always paid it off Ive been unwell call the credit card company let them know I wasnt going to be on time but Id be making a big {$500.00} payment on a {$700.00} balance in a couple of weeks they said fine I called and made my {$500.00} payment they reported me late the credit bureau took 180 points off my credit score its absolutely exorbitant amount to be taking off a credit score for one late I called the credit card companyAnd they told me no one would told me that because its a prepaid card that I got years and years and years ago I can not have my credit score go down that much this is unfair
Consumer complaint received 2020-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I am in the Public Service Loan Forgiveness Program with all loans through Fedloan Servicing. In early XXXX of XXXX, my loans properly reflected that I had accrued 60 months of payments towards loan forgiveness. Later in XXXX of XXXX, one of my federal loans reached {$100000.00} in outstanding interest, and unbeknownst to me, was automatically split into two separate loans, with {$50000.00} of outstanding interest in each. When these new loans were automatically created, Fedloan Servicing failed to recognize any of my previously accrued months of public service payments. 

On XX/XX/XXXX, I contacted Fedloan Servicing and filed for an official recount of my payments to ensure my accrued months would be reflected on the now split loans. I have not received a response as to when the recount of my payments will be completed despite frequently contacting Fedloan Servicing regarding this matter over the last two and a half years. As I am now entering what should be my final year of Public Service Loan Forgiveness payments, I would like to ensure that the review is timely completed and that all of my payments are properly reflected. Thank you.
Consumer complaint received 2021-11-29
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. (FL)

I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX  : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.