davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-22
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: Santander Consumer USA Holdings Inc. (GA)

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc. (SC)

I was made aware a Self Credit account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts and need to remove from my Credit Report : XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2023-07-02
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: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called Credit Collection Services. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with XXXX the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who CREDIT COLLECTIONS SERVICES is! I am sending this complaint because the XXXX reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month. 
They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely XXXX5 USC 1692e as well as allowing CREDIT COLLECTIONS SERVICES violate 15 U.S. Code 1692f - Unfair practices.
Consumer complaint received 2022-06-27
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-12-08
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. (GA)

I asked Equifax to investigate an account they are reporting on my consumer report. I've sent a total of XXXX letters! Dating back to XX/XX/21. Ive been completely ignored. The dates are XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. Equifax is also reporting a duplicate account on my consumer report as well that needs to be removed immediately. All this inaccurate info is causing me XXXX XXXX especially during a time like COVIDXXXX
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-22
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. (GA)

I have disputed the Public Records and on My credit report which was reported by a third party and i have sent over documentation showing that it was not supposed to be on there furthermore they have Violated my FCRA, Privacy and Gramm-LEach-Bliley act rights. This is what have been violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley AcXXXX requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

DUE TO BANK MAKING ERRORS ON PUTTING MONEY IN WRONG ACCT CAUSED FEES TO BE CHARGED TO MY BROKERAGE ACCT AND ALL THE CONTACTS TO FIND OUT WHY AND MANY OTHER ISSUES AND XXXX I WENT THRU SINCE XX/XX/year> THRU XX/XX/year> AND BRANCH MGR ISSUES I GET WE CLOSING YOUR ACCT AFTER XXXX PLUS YRS DUE TO XXXX  IAM BEING TREATED WITH CLOSING AND CALLING XXXX ENFORCEMENT OVER THEIR MISTAKES AND ENDLESS TIME ON PHONE AND EMAILS NO INFO ON WHY WHO AND REF # NUMBERS ON WHY AND ETC. THIS IS NOT THE ONLY ISSUE WITH THIS BANK EITHER!!!!!!!!!! THIS IS CAUSING ISSUES BECAUSE I AM RETIRED AND XXXX ON SS WHICH NOW HAVING TO PAY BILLS AND MAKE SHUR IF THIS ACCTIS CLOSE WHERE TO GO THIS IS ABSOLUTLY ABSURD TO TREAT PEOPLE BECAUSE OF WOKE GENERATION!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a savings account ending in XXXX. In XXXX of this year, I was incentivized to bring additional {$50000.00} to my savings account by XXXX by XX/XX/2022 and keep it through XX/XX/2022. I agreed and I brought requested additional XXXX to my savings account making the total balance of over {$54000.00}. At this point, the interest rate on my savings account became important. CapitalOne Bank is now paying XXXX XXXX for its saving account. It is the only saving account product offered by the CapitalOne Bank. 

Imagine my astonishment and disappointment when I looked at my bank statement to find that my savings account is credited with a XXXX XXXX interest instead of XXXX XXXX causing me a loss of {$250.00} over the next XXXX days for the amount exceeding {$54000.00}. I immediately called the Bank and asked the account manager to adjust the interest to what CapitalOne Bank advertised. I was told that my account is coded as XXXX account and the account with the higher interest rate of XXXX XXXX  is coded as XXXX XXXX. I was further advised that all saving account product like mine were phase out long time ago and no longer offered by the CapitalOne Bank. The only savings account offered by CapitalOne Bank XXXX XXXX XXXX with the interest rate of XXXX XXXX I asked to grandfather my saving account so it would uniformly pay market rate that Capital Bank is offering. Capital One has failed and refused to accommodate my request causing me an economic loss of {$250.00} or {$2.00} a day at interest rate of XXXX XXXX for XXXX days days from XX/XX/2022 to XX/XX/2022. 

I discussed this matter with XXXX XXXX, a CapitalOne Bank representative who responded to my internal complaint to the bank. She confirmed that the same incentive was available to any saving account, including Performance Savings but refused to change my savings account to Performance Savings so my savings account could start earning the market rate currently offered by Capital One Bank. Further, she sent me a letter stating that I chose to have an inferior saving account because it better suited me. I have never chosen an inferior bank product. It is insulting and is a falsehood communicated to a consumer with the intention to mislead or deceive. No consumer will knowingly chose an inferior product, but for direct misrepresentations and outright deceptive practices of the financial institution as represented to me by XXXX XXXX XXXX please see letter attached ). Further, XXXX XXXX misrepresented her contact information, her provided phone number, XXXXXXXX XXXX XXXXXXXX, is not in service. This make this complaint a necessity.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-08-22
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. (CA)

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR 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 XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late
Consumer complaint received 2022-08-22
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. (IL)

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 XXXXXXXX Balance : - ; XXXX XXXX XXXX Reference # : XXXX ; XXXX  : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
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. (CA)

I've been working on this for a long time now and I need this resolved below I've attached documents for review. Please remove these accounts from my credit profile. Transunion told me they resolved this issue and it was never resolved.