davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: Santander Consumer USA Holdings Inc. (NC)

Santander Consumer USA has changed the status of an account that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of their inaccuracy. XX/XX/2020 they listed a charge off item on my consumer report. I requested the Form 1099C. Santander Consumer USA clearly stated that the debt has not been canceled. If the debt is not canceled, why are they reporting an inaccurate account status on my consumer report? That is fraudulent in nature and under 15 USC 1681 s-2 Duty of furnishers of information, they are prohibited by law to report inaccurate information. I ask them several times to delete the Inaccurate information on my consumer report immediately. 

The IRS Clearly defines a charge off as Gross Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Santander Consumer USAs reporting of the account inaccurate! A canceled debt must get reported as gross income on the tax return with the form 1099-C.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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. 

I have shown and given Santander Consumer USA several notices that they are furnishing inaccurate, incomplete, and incorrect information and by law they are prohibited to report such information. Therefore such inaccurate, incomplete, and incorrect information needs to be deleted off my consumer report immediately ; as well as send a copy of the form 1099-C. I have filed complaints with the Attorney General of North Carolina, the Attorney General of California, the Attorney General of Texas, the XXXX XXXX XXXX, the FTC and will be filing a complaint with the IRS. 

In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate, incomplete, and incorrect information is causing me and my family severe harm due to Santander Consumer USAs negative reporting on my consumer report. Please help me to DELETE this inaccurate, incomplete, and incorrect information ( the charge off ) from my Consumer report immediately.
Consumer complaint received 2022-07-15
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-08
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCF Intermediate Holdings LLC (ID)

I was served with papers on XX/XX/XXXX in regards to a lawsuit filed against me for nonpayment of a pay day loan. The company who has filed suit is SCIL., Inc. dba SpeedyCash.com for a loan of {$670.00} that was taken out on XX/XX/XXXX. The amount of the suit is for {$1300.00}. 
When I first received letters from SpeedyCash stating that I owed money for a pay day loan that was never paid on I did attempt to call the company. I have not taken out a pay day loan from this company. I was unable to reach anyone in regards to my complaint. As I know that I did not take out this loan I assumed this was a scam to get money from me. I kept receiving letters and eventually disputed the amount through my credit bureau. 
After I was served papers I went back to the credit bureau report and found that had noted the debt was valid. I then contacted the law firm that filed the lawsuit. In speaking with the lawyer I was told that all the information was in fact mine however that when the loan was taken out that the ach was sent to a XXXX XXXX XXXXXXXX account. I do not have a checking or saving account with XXXX XXXXXXXX XXXX and so am certain that this loan was requested fraudulently with my information.
Consumer complaint received 2022-08-08
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had a charged off account with Capital One dated back in 2018, after several attempts both Capital One and I had agreed to settle the account for less than what was charged off. Capital One had a law firm by the name of XXXX XXXX XXXX representing them. It was agreed upon payment that once I paid the balance that they would remove the negative account from my report. I have tried several times to communicate with Capital One and let them know this negative account was still reporting on my credit report after I had paid the agreed balance. Now Capital One is telling me that they do not do pay for deletes, but it was agreed upon with their lawyers and sent that agreement to me as well. Capital One was willing to work with me and help me remove this negative item, now years later they are saying that they will not do such or that they can't " find '' that agreement that would remove this negative account.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

Mortgage was transferred to BSI XX/XX/XXXX. The old mortgage company transferred our Escrow Refund ( by mistake ) and Insurance Cancelation check ( since our mortgage was transferred to another lender they canceled the policy ) to BSI and it was to be refunded to but never was, i tried for 7 months calling every week to get it handled and it never was, all they kept doing was opening tickets i tried to explain to them what was going on they said on i see it in here let me open a ticket the next week i would call back and do the same thing with a different person. finally i sold my house, frustrated and sick of dealing with both these horrible service companies but never received the XXXX. XXXX escrow refund from XXXX, {$1700.00}. insurance refund from XXXX, the refund for the new insurance BSI put on our house eff XX/XX/XXXX that should be canceled now since we sold it and the escrow refund for XXXX {$1600.00}.
Consumer complaint received 2023-06-07
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (CA)

FCR Collection Services has been contacting me via robocall and text message since XX/XX/2022 for a debt that I do not owe to XXXX. 

XXXX has not provided me with a written debt validation notice or any basic information. 

Between XX/XX/XXXX and XX/XX/XXXX, FCRs messages did not reference any company name. I assumed these were phishing attempts and did not respond. On XX/XX/XXXX, XXXX referenced XXXX by name for the first time. They texted me again on XX/XX/XXXX and named XXXX. Since then, they have robocalled and texted me numerous times, but XX/XX/XXXX and XXXX are they only dates XXXX has been referenced. I am attaching XXXX screenshots. First ( Attachment XXXX ), the transcription my XXXX provided of the first voicemail I received on XX/XX/XXXX ( note that my phone incorrectly transcribed XXXX as XXXX ). Second ( Attachment XXXX ), the XX/XX/XXXX and XX/XX/XXXX messages that first referenced XXXX. 

On XX/XX/XXXX, I sent XXXX a letter by certified mail to the address on their website disputing the debt and requesting a written debt validation notice. The letter was returned to me as undeliverable. I am attaching a PDF of my letter ( Attachment XXXX ), as well as a photo of it returned ( Attachment XXXX ). 

XXXX continues to contact me by robocall and text message. I am attaching screenshots of a voicemail I received yesterday, XX/XX/XXXX, that shows they continue to not provide any basic information about the debt ( Attachments XXXX and XXXX ).
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XX/XX/2022, there were unauthorized transaction in our RBFCU XXXX Checking account for the amount of {$800.00}, which I noticed next week. I reported that next week stating that I have not provided my account information to the merchant who charged our account. I also requested for the fraud claim for {$800.00}. The bank informed me that they can not refund the fraud claim because I supposed to inform them with in two days of the transaction. 

I did not provide my account information to the merchant. I requested for the complete information about the merchant, which RBFCU did not provide. Our personnel identification was misused by the organization, which gave access to the merchant to withdraw our fund without consent.
Consumer complaint received 2022-08-08
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-08
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. (MO)

I applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (SC)

Submitted dispute with CFBP regarding fraudulent inquiries, copy attached. 
Equifax responded : XXXX - XX/XX/2021 - Removed but remains on my profile. 
XXXX XXXX - XX/XX/2021 - Was not on my credit profile Please review the attached CFPB account and list of inquiries from the credit report pulled today. Please remove these inquiries as stated and/or investigate the inquiry as requested. Thank you for your assistance.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of an XXXX identy theft. 

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX are fraudulant XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was a victim of identity theft and per the communication from XXXX and XXXX, I was part of a data breach. ( also for XXXX too ) I requested a freeze on my report and thought that it was taken care of but when I recently was contacted by a dealer I immediately knew that the freeze was not on per my request.
Consumer complaint received 2022-07-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Spoke with MIDLAND CREDIT MANAGEMENT in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.