davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights... 

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2015-08-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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 retained a copy of my credit report and noticed that Transunion has seriously breached my consumer rights to privacy. Transunion you have negligently furnished my report without permissible purpose. I have never provided Transunion with written consent to report my personal information to XXXX XXXX and XXXX XXXX which you have falsely affirmed. Furthermore, you are also reporting information that is incomplete and inaccurate which does not comply with Section 609 of the FCRA. TransUnion 's your improper and unreasonable procedures are highly damaging to my personal and credit worthiness. Transunion you are also in violation of 15 US Code 1681c for non compliance. Transunion has failed to provide me with notice that they disclosed the contents of my credit report to a 3rd party and creditor which I have no obligations or agreements with.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC (FL)

XXXX aka XXXX SourceRM called me asking for personal information and since I was n't aware of any debt I told them I could provide personal information. I called XXXX to verify the debt and then called the collector back. Someone answered the phone and said " did n't someone speak to you already? '' and I said yes is there a problem with that? and she said " you did n't provide personal information so we cant help you '' I told her Listen I did n't know who was calling me and she hung up on me. Not only very only very unprofessional but also since l will not be getting the verification of debt in writing within 5 days it is also illegal. Called back XXXX the transferred me to collections dept outsourced to the XXXX spoke to XXXX, she told me to call SourceRM the company that was n't taking my call. Asked for a manager, she said it would take 30 mins, I said I had all day. She then told me she could transfer me because I was n't a XXXX customer ( Oh that will get me back as a customer ) Asked for her agent ID number said it was policy not to give out personal information. ( What? ) I reiterated I wanted to speak with a manager and she hung up on me. Great
Consumer complaint received 2023-05-25
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 reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX : Act # ( XXXX ) and XXXX Act # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-25
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. (TX)

XXXX does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With XXXX reporting inaccurate information caused my payment to drop XXXX points. Which is drastically. XXXX is the only credited reporting agency that have my credit reporting extremely low.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

Due to a recent divorce, I was advised to check my credit where I found several questionable collections listed. I reached out a few times but have yet to be provided with anything authorizing my ownership of these debts. I have requested original contracts, my authorizing wet signature, and/or any supporting documentation. I was advised that anything not verified within 30 days should be removed from my credit report. I have heard nothing back from either of the following creditors : XXXX XXXX XXXX  Dated XX/XX/XXXX in the amount of {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$900.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount oXXXX {$670.00XXXX XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX Funding Dated XX/XX/XXXX in the amount of {$450.00} XXXX XXXX Dated XX/XX/XXXX in the amount of {$150.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount XXXX {$190.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$390.00} As you may agree, a few of these seem to be duplications. Although the different credit bureaus may list different dates, they are all very similar entries. These are reflecting very negatively on my credit.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial (OK)

I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
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)

You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-25
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 XXXXXXXX, 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 2023-05-24
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)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Consumer complaint received 2023-05-25
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. (VA)

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. 

XXXX reported XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (IL)

I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Disputed bankruptcy... they still have it on. XXXX is incorrect and bankruptcy was dismissed in 2013. Is need to be removed... I can not get any credit with that on my report. 
Please insure they remove the inaccurate info. I would like to see the proof if the date and the disposition of the charge
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AL)

I had an account with XXXX XXXX. And I was not givgo XXXX til XXXX then my account was stolen. So I left I was trying to reopen an account now say I cant. I did not receive the XXXX XXXX that was sent out. My part was sent to my ex hundred that not right. I want my part {$900.00}