davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX is currently being reported inaccurately on my Experian credit report. 

The company has sent me multiple inaccuracies, worng Date of last activity Inaccurate last date of payment Inaccurate payment history Inaccurate past due balance Account is in Violation of FCRA rules section 1689.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not make these inquiries I believe someone used my information. Which are reported on my Transunion report. 

XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX There is additional companies reported on my XXXX report. 

XXXX No contact info XXXX No contact info
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

On XX/XX/2020 Speedy Cash employee XXXX agreed that I did have a deferment on my account. 

I was given the impression that if I could not afford to make the payment in XXXX the deferment would continue. I called Speedy Cash in XXXX and they demanded an amount I was unable to pay at the time and I informed them of the fact. Then days later they placed my account in collections without telling me this was going to be the next action. I at least had the right to be informed. 

In addition they have employed a collection company that engages in harassing collection practices. I noticed a strange number calling me for the last few weeks, when I answered the telephone the person would hang-up ; this happened at least three times. If this is a legitimate attempt to collect a debt why the underhanded tactics that scare consumers? And a letter with three different return addresses, I am confused where to send any correspondence ( see attached ). 

I have asked for an itemization of my debt because I question the exact amount demanded. 
I do not owe this amount.
Consumer complaint received 2022-07-17
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. (MI)

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

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have a mastercard from Citi that requires an annual fee. As Citi removed feature after feature from the card, I finally realized a card with a fee made no sense. So, I applied and got a new card and started what I thought would be a straightforward cancelation process - especially as I've already told Citi I wasn't happy with what they were doing. I started documenting my card cancelation process with Citi ( via their chat feature ) on XX/XX/2020. This was not the first time I tried to cancel the card this year. On XX/XX/XXXX, Citi ( XXXX ) responded that I had to call Citi. My chat session shows that I had tried to call, but that the calls disconnected multiple times. I waited, not wanting to expend the amount of time Citi might require, but I tried again on XX/XX/XXXX. No success again and I went the chat route to find out when a good time call might be. I was told Citi could be reached 24x7. Still, I waited. Not wanting to deal with the Citi unpleasantness, but knowing I really didn't want to have an annual fee assessed on me again. So, XX/XX/XXXX. I called again. I waited 37 minutes. And, the line got disconnected. Again. I had the idea that perhaps I can mail back the credit card I'm trying to cancel. The next chat person ( XXXX  ) said that I could not and proceeded to school me that we have a pandemic!! 

Bottom line : What I see is that Citi has made it impossible to cancel a card. My annual fee isn't huge, but I want to save every dollar I can and Citi is not allowing that.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (NC)

Equifax reported 12 inquiries on my credit report holding Equifax liable for violating 8 Federally Protected Consumer rights under 15 usc 1681n. Therefore, this holds Equifax accountable for paying me, Consumer, XXXX $ XXXX for violating these terms. The inquires were in fact removed on XX/XX/2021 therefore Equifax admitted that some form of fraud was definitely committed.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequoia Financial Services (CA)

There is a ER bill that I currently dont owe due to it being tied up in litigation. The lawsuit was filed in XX/XX/XXXX and it was illegally sent to collection in XX/XX/XXXX according to my credit report. I made several attempts to get this item off my XXXX  credit report through multiple disputes. The most recent dispute I uploaded proof of litigation and each time Sequoia Financial validated the debt. I wasnt even aware of the collection until around XXXX when I opened a letter that was dated XX/XX/XXXX. Ive been dealing with a serious medical situation. Today, I contacted Sequoia and asked them who owns the debt and who is validated it each time I disputed. They confirmed that the hospital owns the debt but they are validating it. I told them that I dont owe the debt. The hospital has said through their attorney that they already put this debt on hold. As of today, I checked and Sequoia last validated the debt on XX/XX/XXXX.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I financed a car with Santander starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. Santander now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... Santander should be sanctioned for reporting incorrect information or remove this derogatory marking from my credit bureaus they report to promptly and why I seek your help
Consumer complaint received 2020-06-24
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX  XXXX XXXX  XXXX A, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) Fraudulent Account or Identity Theft Items : XXXX XXXX - Open Date : XX/XX/XXXX Bal : {$1900.00} ( TU )
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I set up a joint account with my sister who has XXXX XXXX with Capital One. No money was put into the account to fund it. I was not given access and the account was locked. I asked to close the account since no money was placed and capital One will not let me. I asked them to stop sending reminder emails and they stated they can not stop that either even though it is affecting my sister 's XXXX XXXX. I gave them all my information and they said they can't do anything until they can verify my sister, who does not live in the same area as me and does not have a cell phone. Their process is not fit for someone with her condition or resources. So they will keep sending her a message to correct her information and fund the account. They need to stop this immediately.
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX 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
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (TX)

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2020-06-24
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. (GA)

Reports from the three credit report agencies showing a U.S DEPARTMENT OF EDUCATION in separate accounts of {$4200.00} and {$10000.00} debts respectively credited to my reports under another social security number which is not mine, and names similar but not mine. 

I have contact two of the agencies which are : Experian and XXXX except XXXX which I did not succeed in reaching out to. The date of the online visit and phone calls was XX/XX/20. While XXXX notified me of the same complaint and promised to contact the appropriate reporting company/companies under Dispute # XXXX. 
On the other hand, Experian sent me my Credit Report # XXXX dated XX/XX/20 and the informations highlighted were included. 
Attached herewith is the document from one of the bureau agencies to support my claim.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/20 I deposited {$6100.00} at Santander Bank branch in person in XXXX MA. This was made up of {$57.00} in cash, one check for {$91.00}, one money order for {$500.00}, one money order for {$490.00}, and 10 money orders for  {$490.00}. All the money orders are through XXXX XXXX XXXX. 

I expected the funds to be available at the latest on the end of the second business day after the deposit, in accordance with Santander 's funds availability policy. https : //www.santanderbank.com/us/get-started/personal/funds-availability They weren't available and my available balance has been showing as < {$300.00} ( {$290.00} exactly ) ever since then. I contacted Santander Bank by phone on XX/XX/XXXX asking about my funds. They did an investigation internally and told me at the end of the phone call the there was a hold on the funds that would clear by the end of the next business day. It is currently past XXXX on the next business day XXXX XX/XX/XXXX ) and my funds are still not available. Besides violating what was told to me on the phone yesterdy, they have violated their own funds availability policy : " Note : In some cases, we may delay availability to withdraw funds beyond the periods described above. If we do, well notify you. If this does happen, the funds will generally be available on the sixth ( 6th ) business day after the business day of deposit. '' Note : I was never notified that there was a hold on my funds.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have a Closed/ Charged off account that has awful payment history that was deemed as fraud. XXXX XXXX XXXX XXXX  XXXX XXXX have been made aware of this as has the 3rd party company that bought the debt. This card was opened fraudulently and I have no knowledge of this account. The account is finally showing closed, but it still hurts my payment history and shows as a negative account on my history. I am re asking for this to be investigated properly and fully removed from my report.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IN)

My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 1XXXX XXXX locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.
Consumer complaint received 2020-06-24
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. (AZ)

Hi, I am writing this complaint on ( Experian Rent Bureau ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So XXXX XXXX XXXX put a account on on Rent Bureau report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed Experain, XXXX and XXXX  this was a fraudulent account. All three credit bureaus deleted the XXXX XXXX XXXX off my report within 4 business. 

Experain Rent Bureau told me they have to contact XXXX XXXX XXXX to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report.

How can Experain delete this off my report but the Rent Bureau section wont delete this off my account.

Rent Bureau still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Attached is a police report and dispute letter