davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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: SANTANDER HOLDINGS USA, INC. (LA)

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose. 
Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

1.SANTANDER CONSUMER USA , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
2.XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
3. hard inquires by unauthorized Individuals a. XXXX XXXX XXXX XXXX, XX/XX/XXXX b. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX c. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX d. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX e. XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

midland credit management has been attempt to collect false debts accrued by XXXXXXXX XXXX has been contacting me directly attempting to collect debts from purchases never made by me, nor by credit accounts found on my credit reports.
Consumer complaint received 2022-09-23
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. (CA)

XXXX 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Im a disabled home owner and Ive been affected by XXXX. Ive had a forbearance in place, after the forbearance ended I applied for a loan modification which has been denied. Im asking for help from my XXXX because I have limited income but they rejected my modification because I have limited income. I feel as though Im being discriminated against because I am XXXX. The only option thats being offered to me is to sell my home. I dont want to sell my home and I should be pushed to sell because of my XXXX income.
Consumer complaint received 2022-08-13
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. (MS)

I have notified EXPERIAN several times that they are in violation of my consumer rights by reporting unverified and unvalidated information on my consumer report pursuant to 15 USC 1681 ( a ) ( 4 ). On XX/XX/XXXX I tried to upload my most recent affidavit to www.experian.com/upload. The website would not allow me to upload any of my documents. I also Mailed the notarized affidavit and its supporting documents via certified mail on XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 3 ) EXPERIAN " assumed '' the role of assembling and evaluating my credit as a consumer and all information included in my consumer report. With this being said, I never gave EXPERIAN consent to share any information. The role EXPERIAN assumed is voluntary and I as the consumer own my consumer report and Experian failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report.

EXPERIAN is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). By reporting XXXX and AFFIRM EXPERIAN is in violation of the laws made by Congress. EXPERIAN NEVER did a proper initial investigation defined by 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that EXPERIAN clearly didn't investigate are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ).
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (VA)

this bill is from ever source on this address XXXX XXXX XXXX XXXX ct .... I have a collection notice from XXXX XXXX XXXX XXXX XXXX, Ltd for XXXX bill is owed from XXXX to and today they says... but I sold this house on XXXX and the new owner showed me all the ever source bill on time ... number one is not my bill ... number two new owner paid already that bill .... this is account number XXXX ... but ever source still sending me two more account numbers on that address ... please check ever source electricity supplier... is killing customers credits for no reason... thanks
Consumer complaint received 2024-09-11
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. (MD)

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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Called AMEX credit card to ask about the promotional offer I had availed to upgrade my card on when does the 1 year expire so that I can downgrade and not pay the annual fee but still can keep the statement credit I received to upgrade it as it was valid till 1 year. I called the company on XX/XX/XXXX and was told to downgrade after XX/XX/XXXX so yeh statement credit does not get reversed. I did exactly that and cancelled in XXXX. Once I downgraded the statement credit reversed back and was charged to me. I called and filed the dispute and was told that that my XXXX year has not ended yet. I told them that I was provided the false information and they told me it was XXXX XXXX and I told them how would I assume its next year as the year was not mentioned by the rep. 
Anyways they are trying to brush this away and see if no help as they just want to charge the fees. 
Please let me know if you need more information. 

Thanks
Consumer complaint received 2022-10-02
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.
Consumer complaint received 2022-06-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-02
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. (TN)

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 XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX XXXXXXXX  Account Number XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name XXXX Account XXXX 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 ( a ) ( s ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I look for this to be completed expeditiously within the time frame allotted from Congress.
Consumer complaint received 2022-09-23
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. (GA)

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts XXXX
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I, XXXX XXXX, XXXX have submitted several disputes from XX/XX/2020 until present day concerning a late payment reported due to the global XXXX crisis. My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. My consumer report shows a 30 day late payment. The information I've received from the most recent representative said it was too late to dissolve the information because its been too long. I have written several letter via certified mail attempting to discover why is it that I'm exempt from the programs that are/ were in place due the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.
Consumer complaint received 2022-07-15
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. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED of identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was being serviced by XXXX XXXX XXXX. It was transferred to Mr. Cooper on XX/XX/XXXX. I was notified by Mr. Cooper regarding the transfer. Since that notification I have been in contact by with Mr. Cooper by phone 9 times regarding a missing payment from XXXX and {$3000.00} in late fees assessed by XXXX. XXXX will not speak to my because I'm not their customer anymore. My mortgage has been on auto pay for years to prevent late pays. I never received any notices from XXXX. Each time I call Mr. Cooper the story changes. I was told at first this is a common problem when a company takes over servicing the loan and they had 60 days to get things corrected. My latest call to Mr. Cooper on XX/XX/XXXX they told me XXXX says I missed a payment 9 years ago and they have been assessing late fees each month because I'm a payment behind. They also said that I missed a payment in XXXX due to a broken stove that I had to replace. This is completely untrue. I have never missed a payment due to financial reasons. I have never received any notification of a missed or late payments from either company. I believe the auto pay which was recommended by XXXX gave the company the opportunity to charge late fees even though the payments were on auto pay. Which they said would avoid late fees. Mr. Cooper says they have a letter from XXXX that I was notified. I never received such a letter. I think it's possible both mortgage servicing companies are fraudulently charging customers late fees and missed pay charges.
Consumer complaint received 2022-09-23
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. (VA)

This item was paid off for deletion with XXXX XXXX XXXX card and it is still showing on my creditor report. It has also now been 7 years and the item has aged off and should have been deleted.
Consumer complaint received 2022-09-23
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. (CA)

In accordance with the Fair Credit Reporting Act ( 1 ) XXXX XXXX - Account # XXXX, Violated my rights. ___ { 15 U.S.C 1681 Section 602 A. States I have the right to privacy. } ___ { 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. }
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX ; Account Number : XXXX Bal : {$340.00} XXXX  XXXX  ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX ; Account Number XXXX XXXX Bal XXXX {$650.00}
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an 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 2022-09-23
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.