davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Inquiries : XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX 15 U.S.C. section 602 A states that i have the right to privacy.

15 U.S.C. section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 2021-07-15
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I

n accordance with the fair credit Reporting acXXXX XXXX Account # XXXX, has violated my rights. 12 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.
Consumer complaint received 2021-07-15
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: BARCLAYS BANK DELAWARE (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

A credit card was open under my name that I never opened in XX/XX/2013. I've tried countless times to contest this account. The account currently showing closed with the payment status of being charged off. I've submitted notarized police reports for the fraudulent charges on my credit accounts. It is currently on my XXXX  & XXXX report. It was on my XXXX report but was removed once I disputed it. I would like to have it removed as soon as possible from the other reports.
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Consumer complaint received 2021-07-15
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. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-06-09
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: BBVA FINANCIAL CORPORATION (TX)

On Friday XX/XX/2021 the company was sent a certified letter with an return reciept attached regarding an alleged debt. 
The company has not acknowledged nor updated with an rebutt or response. The company has violated my consumer Rights under Federal law. This company has furnished my personal information to credit bureaus as well as third party debt collectors. This company also submitted detail transactions as well as factual information, which is prohibited Under 15 USC 1681- ( a ) Accuracy and fairness of credit reporting ( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to 15 USC 1681 ( a ) and ( e ) -all investigations must include interviews with family, associates and neighbors. The company has failed to provide validity on this debt. I also mailed this company an cease and desist letter via certified mail with an return reciept included, All communication regarding this debt still hasn't been ceased nor has this company has invoked a specified remedy. According to FDCPA 15 USC 1692c ( 1 ) ( 2 ) ( 3 ) - Ceasing Communication. Consumer Law states that- if such notice from the consumer is made by mail, notification shall be complete.
Consumer complaint received 2018-11-09
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: Westlake Services, LLC (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-08-12
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. (TX)

I have been disputing XXXX XXXX XXXX Collections on my Transunion and XXXX report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX  XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.
Consumer complaint received 2021-07-21
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. (IL)

Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. XXXX points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put XXXX points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, XXXX  is getting better since my complaints but still them and transunion are the worst you cant even access transunion website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because XXXX  removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that XXXX  already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with XXXX  and removed them but what do I know about wasted time and making things better. Apparently nothing
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (TX)

I contacted Hunter Warfield about a debt showing on my credit report XX/XX/2021. I explained the situation and the discrepancies. The email I sent was " I do not agree to this collection. I know this is not at fault of Hunter Warfield, but of XXXX XXXX XXXX XXXX. I have already attempted to contact XXXX XXXX on numerous occasions and get nothing but a run around from them. They state they no longer own the account and it is out of their hands. The collection is not really of concern to me as it is not hindering me in anyway, but at the same time I am conflicted because it shows a balance that I owe and I absolutely hate owing anyone. I do not know how to clear this up at this point. I feel like I have exhausted all avenues. I am willing to settle this account for {$1600.00}. Please let me know if that is acceptable. If so please send me correspondence so I can take care of it. If not, please cease and desist all future communication. '' They sent a very generic response, and were unwilling to discuss the issue therefore I requested once again they cease and desist all future communication. 
Today I was contacted by Hunter Warfield XX/XX/2021 at XXXX via email. I did respond and remind them I have requested to cease and desist communication on XX/XX/2021.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

im filing this complaint because Experian and XXXX are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that XXXX AND EXPERIAN have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that EXPERIAN AND XXXX are not doing proper investigations
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

US BANK AUTO LOAN - LATE PAYMENT REPORTED I have two car loans with US Bank. First loan is set up on Auto payment. The second loan, the website would not allow me to set up auto payment for the same account. When I make payment manually, the website does not allow autopayment set up at that time. Finally I sent the paper form for autopayment. The form was never entered into the system. The payments were not processed and late payments were reported to credit agencies which negatively affected my score. Again no voicemail ever! 

When I asked US Bank why didn't you call me and left me a voicemail. They said they are not required to leave voicemail. Their calls and mails are drowned in tons of advertising mails and calls we get from US bank. They do not come on line but instead say press 1 to connect which sounds suspicious. They do not leave voicemail. The paper notices and emails are mixed with tons of spam mail. 

They reported and ruined our credit without ever talking to us or leaving a voicemail. I did my part by sending the form but they say they never received it. Their online system, mail system and phone policies are aligned to make us fail from making payment on time despite all good intentions. I had excellent score of XXXX now ruined. This is pure harassment and disregard for someone's hard work of while life by ruining their credit without making appropriate effort to convey message. All I needed was one voicemail. 

I offered to pay the entire loan so that this negative payment can be removed. I could not get anywhere with their customer service. I work very very hard for my family. As a XXXX I work hard at XXXX. I wake up at XXXX XXXX and do not look back. I feel frustrated and helpless where my financial situation is ruined by US bank. 

Bank 's system did not allow customer to easily make autopayment and did not use effective communication. In addition, made trivial effort to inform the customer hidden in tons of calls and mails without leaving one real voicemail before ruining the credit.