davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (FL)

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 Account # XXXX, XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2022-06-26
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)

My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an Experian XXXX communication from the Experian mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.
Consumer complaint received 2022-06-26
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. (GA)

Experian has violated my rights by verifying each of the following disputed accounts : XXXX XXXX XXXX # XXXX reporting is INCOMPLETE. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is INCOMPLETE. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) XXXX XXXX XXXX Account # XXXX reporting is both INCOMPLETE and INACCURATE. 
Experian has XXXX 's 'Terms ' as XXXX  months although the term is XXXX months. 
Experian has XXXX 's XXXX XXXX ' as 'Not Reported '. 
( see attached proof ) US Bankruptcy CT public record Identification # XXXX is INCOMPLETE. 
A letter is missing from the XXXX XXXX number. 
( see attached proof ) As per the 15 U.S.C. Section 1681 of the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TN)

I disputed transactions on my Netspend Skylight Card it said I used a XXXX  to withdraw funds when in actuality I dont own a XXXX  nor can I have one. The named XXXX Im assuming doesnt even have my SSN attached to it but they refused to refund my Money and theyre charging me unexplainable fees as well.
Consumer complaint received 2022-09-23
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 HOLDINGS USA, INC. (TX)

This is my 4th complaint against Santander for predatory lending and billing practices. Santander continues to create fees to this long and makes it impossible to pay the loan off and receive our title. We have paid this loan in full and continue to have fees added to this loan. The original loan was to be paid off in XX/XX/2021. We were then told that we had 9 extensions. We have paid all 9 extensions. Once we paid all 9 extensions, we were told we still had principle. Now they are not applying all payments to the supposed principle but are still taking interest and increasing the payoff amount. In XXXX the payoff was XXXX now the payoff is XXXX. Santander continues to add more and more fees.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, 1 reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and XXXX responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX XXXX  ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

JPMCB Card Services {$12000.00} & JPMCB Card Services {$7000.00} have been closed by creditor as a charged off account. According to law any debt over {$600.00} that is charged off, the consumer ( myself ) should receive a XXXX ( cancellation of debt ). I sent a letter ( attached ) to creditor requesting a XXXX and I did not receive a response. 
If creditor filed a XXXX, according to tax law it is no longer considered a debt but rather considered to be income. XXXX should not be reporting on consumer report. 

Would this be considered to be tax fraud?
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (RI)

Summary : Affirm has confirmed a technical issue with deducting my loan payments and the research team has yet to provide a response in over 2 weeks. My account is now 30+ late and I am at risk of having a delinquency on my credit report. 

Description : During the month of XX/XX/XXXX, I attempted to make payments to Affirm to pay off my monthly loan amount and various times and then attempted to clear the full loan balance. For the first time in my account history, the payment was declined on the Affirm side ( not the bank side ) for an unknown reason - even with excess funds available in my XXXX XXXX and Bank XXXX XXXX accounts. I subsequently tried several different accounts and debit cards- all with excess funds available- each time the payment was unsuccessful on the Affirm side. I also initiated a three way call with 2 different banks where a payment was attempted and again, the payment was unsuccessful on the Affirm side. In each case, the bank rep confirmed that funds were available and the issue was on the Affirm side. In addition, Affirm representative has confirmed that this is a technical issue that they have never experienced and promised a call back withing 2-3 days. The first technical troubleshoot case was opened on XX/XX/XXXX - It's been over 2 weeks and no one can explain what the issue issue. 

-The account has been noted with the series of events. 
-There are several complaints and cases pending stemming from early XXXX. 
-I 've spoken with 4 supervisors, no one can help or help expedite the technical cases. 



Affirm Account : XXXX XXXX call log : XX/XX/XXXX - several times, XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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
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. (MD)

In XXXX of XXXX, I reached out to Experian to fix an incorrectly reported item ( XXXX XXXX XXXX- {$3300.00} ) on my credit report. 

They claimed to have investigated the claim with XXXX XXXX XXXX and verified it. This is impossible however because between the time of the debt being reported and the time of the investigation, Id worked directly with the Original Creditor to address a number of issues and overcharges ( proof attached ) In XXXX of XXXX, I reached out to Experian by certified mail with a return receipt to show them proof of this incorrect account and request it be removed. 

To date, I have not received a reply. 

I have had a number of my rights violated in the handling of this dispute, namely ; 1 ) My complaint was not answered within 30 days as required in the FCRA. The incorrect item must now be deleted. 

2 ) Section 611 ( a ) ( 1 ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. This never happened. If It had, my file would have been updated. 

3 ) Section 611 ( a ) ( 3 ) requires prompt deletion of item information from the file of the consumer when proven to be inaccurate. 

I shared proof with the CRAs ( attached hereto, I've withheld their name in case a lawsuit against the CRA 's becomes necessary and they need to be called as a witness ) that clearly shows the Original Creditor made changes to my ledger AFTER it was reported to my credit file. Any reinvestigation would have resulted in a corrected account. 

I am requesting this account be deleted immediately. If this account is not promptly removed, my next course of action is to file a lawsuit as I am entitled to damages due to the CRAs negligent failure to comply with its obligations under the FCRA. I intend to seek : - actual damages of the harm and opportunity loss this irresponsible reporting has cost me - attorneys ' fees and costs. ( 15 U.S.C. 1681o ). - punitive damages for the willful disregard of my rights.

I appreciate your time and attention and look forward to a prompt resolution.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV INC. (CA)

On XX/XX/2022 I went to XXXX XXXX to purchase a cellphone I needed immediately. My purchase was denied because TeleCheck ( XXXX ) XXXX denied my check to XXXX XXXX. I had over {$1000.00} in my checking account to more than cover the {$480.00} phone, and I have never bounced a check in my more than 40 years of writing checks. I've had this current checking account for 20+ years. 

TeleCheck said they denied my check because they had no record of my checks. I've written several checks a month on this account for the past 20 years! The fact that they have no record of my checks is NOT my fault... it is the fault of TeleCheck. What more do I need to do than write several checks a month for XXXX years???!!! 

So TeleCheck thru their own incompentence failed to track my checks, and is now depriving me as a consumer the ability to make purchases at companies that use their service. 

( TeleCheck Case # XXXX )
Consumer complaint received 2022-06-17
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. (VA)

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  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-09-23
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. (MD)

This is my fourth 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 an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$44000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my multiple 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-26
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. (TX)

In accordance with the fair reporting act the following companies have violated my rights 1. XXXX XXXX XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 4. XXXX 's account # XXXX XXXX. XXXXXX/XX/XXXX account # XXXX XXXX. XX/XX/XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 8. XXXX XXXX account # XXXX 9.XX/XX/XXXXt # XXXX 10.XX/XX/XXXX account # XXXX 11. XXXX XXXX XXXX account # XXXX 12. XXXX XXXX account # XXXX 13. XX/XX/XXXX account # XXXX 14. XXXX XXXX account # XXXX 15. XXXX XXXXXX/XX/XXXX account # XXXX 16. XXXXXX/XX/XXXX account # XXXX 17.XX/XX/XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is XXXX
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

According to the Privacy Act 1974 15 U.S Code 1692c It is considered identity theft when creditors give our private information to another company. 

I have found that this company has shared my information with many financial institutions in regards to closed checkings accounts, saving accounts and they update the report with a paid in full or settle in full status with out my permission. 
That is referred to as identity theft. 
They are also reporting the wrong personal information. 

Chex Systems , Inc has caused me great distress with having to find other institutions to bank with. 
Due to the reported information on file with Chex Systems ( against my consent ), I have been unable to partner with other institutions.
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX