davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (VA)

Santander has failed to administer the settlement agreement in the case against 34 states for deceptive loan practices. Yesterday, XX/XX/20, they repossessed my vehicle. I am eligible for restitution under the terms of the settlement. Santander 's legal department and administrator, XXXX XXXX, is not telling their customer service agents about this settlement. Therefore the collections department repossessed my vehicle. Daily I received calls and their agents said they are unaware of the settlement. After the agent does a little research they said to contact my state attorney general. I told them I did. Santander is supposed to mail notices to consumers. I called XXXX XXXX and was told they had no database to begin administering the settlement. Santander 's website says the time frame for mailing notices to consumers that are eligible for restitution is not yet known. XXXX XXXX XXXX   XXXX I spoke to XXXX whose ID is XXXX. She was rude and asked for the notice that hasn't been mailed yet. XXXX said I need the notice or pay {$3200.00} within the next 9 days to recover my vehicle. I need my vehicle for work, which I just started one week ago. Please respond as soon as possible. Santander is doing the same as before the settlement. They are undermining the work done by the State Attorney General. What are my next steps?
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NC)

In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All are a violation of 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.

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 2022-01-14
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. (OH)

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX  XXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was hospitalized for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

My daughter, XXXX XXXX, was involved in a car accident back on XXXX XX/XX/XXXX. She was seen in the emergency room in New Mexico ( XXXX XXXX ) shortly after the accident. I was XXXX XXXX military at the time and she was under my insurance, XXXX XXXX. Since then I received letters from them to pay the debt. The bill was sent to XXXX and it was taken care of. After that, beginning in XXXX approximately Commonwealth Financial has repeatedly tried to collect the debt. I have tried to have the bill taken care of since then with XXXX, but it is still showing on my credit report. 
The bill amount is {$700.00} and was originally being billed by XXXX XXXX XXXX. It is now with Commonwealth Collection with the account # XXXX. I have submitted proof of insurance coverage for my daughter beginning XX/XX/XXXX until now. That is still apparently not enough for them.
Consumer complaint received 2023-07-26
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (AZ)

On XX/XX/XXXX I sent a written letter, via certified mail, to EOS CCA asking for them to validate an alleged debt for XXXX XXXX amount : {$1900.00} ). In addition, I disputed the validity of this debt to all three credit bureaus. All three bureaus deleted record of this debt. In XXXX, XXXX  explicitly informed me that they found that this debt was invalid and not mine through it's investigation. At this point I hadn't received any communication from EOS CCA. 

On XX/XX/XXXX I received a letter from EOS CCA. All it stated was that it was an attempt to collect a debt and it included the original bill from XXXX that they claimed I owe. It had no other information regarding the legality of their right to collect, no disclosure about my right to dispute this debt, or the age and statute of limitations. 

Beyond this, this debt is so old they can not collect on it. Furthermore, It is invalid. I have proof that the bill in question is made up of fraudulent charges on XXXX 's part. in XXXX XXXX failed to report returned set-top boxes when they were brought to physical locations or stores. the set-top boxes that are being charged were returned. Furthermore, the date of the bill does not coincide when I actually lived at the address listed. I moved away in XXXX of XXXX. The account was closed way before the time of the bill and we have proof of payments made. This has been proven. EOS CCA, also intentionally sent the letter I'm referring to the wrong address. IN my initial correspondence with them, I explicitly outline my correct mailing address both on the return receipt and within the letter itself. By sending it to the wrong address, it risked my not receiving it AT ALL, thankfully it was forwarded to my correct address and I received it two weeks after its original listed date. Ibelieve they did this to perverse my ability to respond in a timely manner. 

I believe EOS CCA is trying to coerce me to pay for a debt I do not owe. They used tactics to attempt to confuse, elude, and bait me to pay them money without listing the necessary information required, my rights as a consumer, and using minimal language to create fear and frustration that might lead me to irrationally respond. 

If they continue to try to collect on this alleged debt, I will take legal action to prove this debt is not valid and that their practices have violated the Fair Debt Collection Act.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I don't even know how to describe what's going on here. Credit Acceptance started reporting me late on an account that they had charged off awhile ago. I don't think this is correct. I do not believe I can be 120 days late for the last 4 months on a charged off account. PLEASE HELP ME! This is destroying my credit!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-04-14
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. (MA)

In accordance with the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

i get collect from this company, my payment never was late, i already pay 5 years ago and they continue show on my credit reports XXXX, can you please delete thanks company name HELVEY & ASSOCIATES IN
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A Bank of AmericaXXXX XXXX XXXX XXXX opened in my name and mailed to my house in XXXX of this year. I called their fraud dept and had them close the card. I also froze and monitored my credit and had the hard inquiry removed. Just a few days ago I received a fake letter for the card i closed saying it was approved ( dated XX/XX/22 ). I believe the scam was to steal my info, open the card, and then send this letter to get me to call them back so they could get more info.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I tried to use PNC Bill Pay to pay out a required distribution from an estate account. After 2weeks where PNC Guaranteed delivery had not occurred of the payment, I demanded the Bank issue a stop payment on the check they had written and informed them that I would issue a handwritten check to pay out the required distribution, PNC failed to stop payment on the check they had written and instead issued a stop payment on the new check. PNC has refused to refund the fees associated with the payment claiming they have not made an error ( in either not delivering the check they as guaranteed or not stopping payment on the correct check ). I have wasted numerous hours fighting with them and at this point want the fees and my hourly wage reimbursed for their incompetence.
Consumer complaint received 2023-03-02
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. (FL)

My legal name is XXXX XXXX . I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from Experian and XXXX. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned bureaus.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (FL)

I entered a dealership in search of a car. I started the loan application after choosing a vehicle by providing the general information needed to buy a car. Without my permission, my credit was checked during the procedure, and as a result, an inquiry was recorded on my report. The fact that there was no requirement for a down payment on the automobile confused me as well. Yet when the deal was done, I understood that because I hadn't made a down payment, my interest rate would be greater than that of other auto buyers in my neighborhood. My credit history and report, nevertheless, would contend that my interest rate ought to be lower.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MD)

I have contacted Prosper on several occasions to update the status of my closed accont. The status is closed and ner late. It is reported late in XXXX and this is inaccurate. Prosper agreed to remove this late reporting. However, this removal with the credit bureau 's has not been updated.
Consumer complaint received 2020-11-02
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. (FL)

id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

An unknown entity withdrew funds from my account using ACH. 

On XX/XX/2022, {$49000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, {$20000.00} was removed from my account via ACH. This is the description " XXXX XXXX XXXX { initiator : XXXX XXXX } XXXX '' On XX/XX/2022, Fifth Third Bank, restored the {$20000.00}. 

On XX/XX/2022, Fifth Third Bank refused to restore {$49000.00} with no discernable reason.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-18
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems XXXX Inc. Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed Account Abuse on my Chex Systems file, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX XXXX including copies of any documentation associated with this Account Abuse which bear my signature. In the absence of such documentation, I request that this Account Abuse be permanently removed from my Chex Systems report ASAP.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I need the Consumer protection board to intervene with Citibank. 

On XX/XX/XXXX, Citibank clawed back funds from my checking account for a check I deposited In XXXX of XXXX for the amount of {$2000.00}. Citibank also identified 3 more checks of {$2000.00} that were deposited last year they now consider suspect. They plan to return these additional checks to the drawer as soon as my account is funded. The bank did not supply me any explanation as to why they are returning the funds to the drawer after 5 months or why the checks are suspect. 

Because Citibank is debiting my account these large amounts, My ACCOUNT IS NOW OVERDRAWN AND MY MONTHLY BILLS ARE NOT GETTING PAID. 
Citibank is taking XXXX of XXXX from my account and refusing to explain why. 
For several weeks I have been contacting Citibank in order for them to verify why these checks were returned. I have spoken to Citibank customer service. I have spoken to supervisors in customer service. During this time, I have been told repeatedly that an explanation for why the checks were returned would be forthcoming. This has not happened. Despite being promised that an e-mail explaining why these checks are being returned would be sent to me, no e-mail has been received and no explanation for the checks being returned has been supplied. I need a document to provide to my attorneys, explaining why Citibank started returning these deposits that were made and credited to my account 5 months ago. 
I received 2 vague documents from Citibank with check images and a separate letter stating check # was inadvertently deposited on XX/XX/XXXX. There is no explanation of what inadvertently deposited means. Furthermore, the checks were not in inadvertently deposited they were deposited at the instruction of a branch manager in XXXX XXXX, NJ. 
Citibank has now stated that a number of other checks were inadvertently deposited. There is no explanation for what inadvertently deposited means and it appears they intend to take {$10000.00} from my account with no clear explanation as to why. 
The explanation and documentation I need that describes why my bank account was debited has not been forthcoming although it was promised several times. I am entitled by law to an explanation from them and was promised has been stonewalled by Citibank. 
Instead of providing me the document I have been demanding daily and for last 2 weeks, Citibank is now calling me to collect more funds and return them to the drawer.