davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-06-12
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. (CA)

In accordance with the Fair Credit Reporting act, 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  Have 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 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a XXXX XXXX XXXX in XXXX That was financed with Santander Bank, At the time of purchase before signing any paperwork i was concerned about the payment of XXXX per month when my SSI was only XXXX per month knowing i could not make this kind of payment for a long period of time i spoke with Santander and there answer to my worries were settled when they explained if i made my payments for 6 months on time i could have the loan refinanced and it would most likely be half of the amount i was paying so i decided to go ahead with the deal and got a part time job to be able to afford the car. Then Covid hit the world and i lost my job so i called to get my loan refinanced and was told they didn't refinance loans and explained when i purchased the car i was told after 6 months i could and they replied yes with another bank or credit union. I then also found out while trying to get my car refinanced that i had only been paying interest nothing has brought the car amount down so i could not get it refinanced after all. So stressed out because i knew i had to get help or lose my car and my credit i called Santander explaining my problem so they offered me assistance because of the covid virus. So during that i went to several places to try to trade it in for a cheaper payment but that to was a dead in i was upside down over XXXX XXXX dollars so if i wanted to get out of the payment that's what i would have to come up with which was not possible. So i reached out to Santander again and they explained the there was nothing they could do for me either pay the payment or give the car up. Well that was not a option so while researching what i could possibly do i saw a article about Santander being sued so i read it and it was for the same thing they did to me to the tee ... Then i got the information and called and made a complaint but because the lawsuit was already settled for XXXX XXXX dollars i was not included in it. I felt i have tried everything so i contacted Santander again they still would not budge to lower the payment and to find out my loan had gone up XXXX XXXX dollars because of the assistance they gave me. I then explained that i thought that the government gave the money to companies to help consumers like me and quickly i was told i was wrong Then told that if i did not have the payments caught up by the end of XXXX they were charging it off on my credit. So i have since started back to work but not able to fix this long overwhelming problem so i have nothing else left to do but look for help because it was known from the beginning i could never afford a payment like that for a long period and i feel like they got over on me and every way i tried to fix it Santander had me blocked where it was never since the first day for me to get through this and they knew it.. So with everything i have been through i feel very wronged and no way to win ...
Consumer complaint received 2021-08-09
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. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-08-09
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine.

2. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-09
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Advantage LNS Inc. (TX)

On XX/XX/XXXX NATIONAL CREDIT AUDIT, a company I do not have any commercial or other contracts with operating in commerce, placed a derogatory collection on credit profile without my prior consent or knowledge.This company whom I do not know did not contact me prior to give me a chance to dispute this alleged debt before placing it on my credit report. I did not notice this until XX/XX/XXXX. I sent a letter dated XX/XX/XXXX, to NATIONAL CREDIT AUDIT ( see attachments ) having them to validate the depute debt pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They never responded. Due to COVID-19 my second letter ( notarized by a Public Notary ) dated XX/XX/XXXX, and a third letter Dates XX/XX/XXXX. Each time I sent a letter I placed the previous letter from letters in that package. See attachments, I do have a Certificate of Service for all these letters.

NATIONAL CREDIT AUDIT, failed to contact me prior to reporting alleged debt, failed to provide validation that the allege debt is mine, respond in a time manner, failed to provide Certificate of Service where the attempted to contact me ( prior and during dispute ), failed to give me the persons name who did the calculations, failed to show that whomever did the calculations was knowledgeable in that process, and what systems they used to calculate the debt. Most importantly they failed to show the contract I signed with them NATIONAL CREDIT AUDIT.The alleged amount they say I owe is {$4400.00}.
Consumer complaint received 2023-03-23
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-09
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: Rushmore Service Center, LLC (FL)

On XX/XX/2021 I received

a letter from Rushmore Service Center attempting to collect a debt that I do not owe. I then sent out a cease and desist letter, an affidavit of truth and an invoice with the list of violations this company has. I have never done business with Rushmore Service Center, I did not authroize them to communicate with me and an investigation was never done, because if it was I should have received the documentation to prove it was completed. I am the consumer in fact, natural person, original creditor, lender, executor Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me. Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me. Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Please note that I am holding you civilly liabile for noncompliance according to 15 usc 1681n
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters
Consumer complaint received 2022-06-12
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A 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. THIS IS MY 2ND REQUEST... 
TRANSUNION : Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, US DEPT ED 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
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, Citi bank closed my credit account without reasons. I have called the Citi Bank several times about the annual fee charged to my account. All representatives said the annual feel would be refunded. However, Citi bank did not refund me the annual fee as of today, XX/XX/2022.
Consumer complaint received 2021-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 at XXXX CA time, I called Transunion and spoke with the first phone rep and advice that I filed a dispute on an collect that has been paid since XX/XX/2021 and that the company said they reported it to then on XX/XX/XXXX XXXX And I filed a dispute on XX/XX/XXXX because it was still showing but when I filed the dispute there system didn't give me an option to up load documents showing proof it was paid and closed. And that I had spoke to another rep that advice to me on XX/XX/XXXX when I filed the dispute that I can still upload and he would transfer me to the department that could help me and then I was transfer and then the system advice that since the wait was long I could get a call back and I opt for that but never got a call back and this is why I was calling today. The rep advice me that I have to mail it in because there is no way that this can be done, I question him because of the last rep advice I could and I have done this before through there website when I file dispute before and he keep advice that I was wrong and that mailing in the proof was the only way. I advice that I would like to speck to a supervisor but eh advice that I didn't need one and that he could help me. I advice he couldn't and I wanted a supervisor he keep telling me no I couldn't have one. In tell after 3 mint if asking he finely gave me one. He cold transfer me and I had to explain and give all my information over again. And this supervisor did what the last one did and said I was wrong and that this is how it is. I asked to speck to his supervisor and he advise that he could help me and that I didn't need one. I explained he couldn't help and I would like a supervisor and finally after this he cold transfer me to anther supervisor. This supervisor advice that she could cancel the dispute and I can refile it and then the system should let me upload the information and if it doesn't then call then back. TransUnion is prohibiting me from filing my dispute and is not letting me give them information to show I paid this off and they are the only credit bureau that is reporting this incorrect information.
Consumer complaint received 2019-05-15
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : XXXX to file a report Per FCRA XXXXection 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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.