davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: PENTAGON FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX and I have been a member with PenFed for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for one. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to PenFed for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system. 

But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # 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 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. 

I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources.
Consumer complaint received 2022-10-22
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$520.00}
Consumer complaint received 2023-03-02
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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  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 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 2022-12-01
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank of America XXXX XXXX XXXX XXXX XXXX A new credit card application was denied by XXXX ( XXXX XXXX XXXX ) I did not try to open this new account
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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. (VA)

Ive tried numerous times to rectify this situation with experian. By experian report inaccurate information on my consumer report it has cause me a great deal embarrassment XXXX I have filed a lawsuit for DEFAMATION OF CHARACTER
Consumer complaint received 2022-11-11
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you
Consumer complaint received 2022-12-07
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: Byrider Franchising, LLC (IN)

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 purpose
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. Bank of America 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 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 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

We have continued to try to communicate with Capital One Auto about our truck and delinquency. They claimed we outright " declined '' the catch up program ; however, they were asking that we pay {$1000.00} every 3 to 4 weeks. We have called numerous times trying to get an arrangement set, but all they kept offering was the catch up program. The co-borrower lost his job. He has been able find employment again. We called recently on XXXX, XX/XX/XXXX. They once again offered the same program and not once did the team member inform me that the account had been referred for repossession. I received the right to cure letter over the weekend. I am severely disappointed in Capital One lack of empathy to our situation and they're refusal to offer any other assistance programs.
Consumer complaint received 2022-12-07
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 inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquires have been posted on my credit report without my permission, which violates my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-11
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. (AL)

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 COMMISSION 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 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

Debt was paid by ex- spouse years ago. Time has passed and he has no receipts for this acct. It was his own personal acct and I was never on it. I have No Wet Signature on this acct. I believe he paid over {$4500.00} and paid it off in full around XXXX.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (TX)

I am writing a complaint because the Credit Bureau Experian has not followed through with their XXXX day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX2022 because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX- {$590.00} account number : XXXX XXXX XXXX  ( XXXX ) - {$400.00} account number : XXXX XXXX- {$2000.00} account number : XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On XXXX I deposited a check in the amount of {$5300.00} in person at the XXXX XXXX branch of Santander Bank. I sold my car and the check was written by a well respected dealer in the area, XXXX. The next day none of the money was available or the next day. I was not notified and it wasn't until I called that I was told I wouldn't be able to get the money for over 5 business days. They could not tell me why, " security precautions '', and now I have no car. 

I still do not have the money today, XXXX, and I have no idea when I will get it. Who is making interest on my money right now? Not me. I needed that money to buy another car. 

I want my money, and I want to know what I did to not be able to access it. This is fraud.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I contacted my financial institution about unauthorized charges on my account. These charges were piling up unbeknownst to me because the form of payment I use most frequently is XXXX XXXX, so I did not realize my debit card had been stolen/missing. After contacting my bank about this issue, they initially were helpful and reversed all unauthorized charges to my account and a new card was issued to my account. After sometime I resume using account as usual thinking the situation had been resolved only to login to my account weeks later and find every charge initially credited to my account debited again WITH multiple nsf fees. This caused my account to be overdraft by hundreds of dollars, and has put me in an extremely uncomfortable position financially as I am a XXXX  unable to makeup for what Chase took from me. When I called them about this issue the only explanation they could give me was that they reversed their decision because of geographical similarities in the unauthorized purchases and my regular purchases. This is not a significant enough reason to decline a fraud claim. I informed them it was very likely my card information was stolen by someone very close to me/in my area. I do not have a history of fraud claims or suspicious activity on my account. In fact, i have NEVER submitted a fraud claim before, and the fact that this was the " resolution '' they could offer me is unacceptable because not only did the bank NOT provide any help of significance to rectify my account, they actually made my financial situation worse. A police report has been filed and am seeking a PROPER reimbursement of all unauthorized charges and NSF fees from Chase.
Consumer complaint received 2023-02-28
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. (MI)

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( XXXX ) and one-half ( XXXX ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason XXXXXXXX XXXX XXXX have placed my current address to an address I have not lived at in XXXX Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which both register as pain. During those periods I am unable to use a computer or phone.