davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: SANTANDER HOLDINGS USA, INC. (FL)

In accordance to the credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 6048 A section 2 Consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer plan has late for any purpose
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 
I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ), was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XXXX, XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative serval times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF.
Consumer complaint received 2023-09-09
Product: Credit reporting 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 regards to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. XXXX, XXXX and Transunion did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, XXXX and TransUnion 's reporting services.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I wanted to dispute this on experian it would not let submit all my information .Dispute letter late payments Experian 15 U.S. Code 1681a Definitions : rules of construction [ U.S. Code ] US Law 1 L11 Legal information institute 15 U.S. Code 1681a - Responsibilities of furnisher of information to consumer reporting agencies ( a ) dirty of furnisher of information to provide accurate information.

1 ) Prohibition ( A ) reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) subject to section 1681s- 3 of this title any- ( I ) report containing information solely as to transaction or experience between the consumer and the person making the report : There is says consumer report in general the term consumer report means any written oral or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness credit standing credit capacity character general reputation personal characteristics or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumer. 
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 I would like the late payment on Experian not to delete a late payment. I would like Experian to change it to pay as agreed or change it to OK. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address identification number XXXX XXXX residential type apartment geographical code XXXX XXXX XXXX I never resided at this address or lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX See uploads. ID XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (KY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-09
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. (GA)

I am writing to formally dispute and register a complaint regarding multiple erroneous late accounts entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account 's information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be correct them from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. These late open accounts should be corrected by the credit bureaus right away : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$6700.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$370.00}.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

Company is not applying my payments correctly. Company has extended my loan to be paid off in XXXX and original paperwork when contract was signed XXXX. Also, I have asked on 2 occasions for a payment history and I have not received it. I also ask for a copy of the original loan contract they have on file so I may see where my terms have changed. I have a copy of it and would love to know what they have on file as they are falsifying information and my signatures as well. This is fraud and at the cost of my credit.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (FL)

I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (NJ)

15 USC 1681A2 I did not give written permission to have those accounts furnished on my credit report. This account reported negatively on my consumer report is in fact violating my rights on both the federal and state level but, has tarnished my creditworthiness.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 USC 1681A2 I did not give written permission to have those accounts furnished on my credit report. This account reported negatively on my consumer report is in fact violating my rights on both the federal and state level but, has tarnished my creditworthiness.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I keep disputing inaccurate personal information from XXXX, such as my name, address, phone number, and work history. I only have XXXX name, XXXX address, XXXX phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

XXXX is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from XXXX, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, XXXX has XX/XX/2022, Experian has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

Chase closed my credit card and bank account for no reason other than I had overdrafted for a few days, I told them I would be having a couple large deposits ( XXXX and XXXX ) dollars coming in within the week at most. Now I have no idea how I can get the money out of that account. All of the reps on the phone gave me different answers. My credit score is going to be hit hard on this as well. Bank account was closed on the XXXX, credit card was closed on the XXXX of XX/XX/2019 2019
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a claim on XX/XX/2023 in the amount of {$8300.00} due to the transactions being fraudulent. I spoke with the company via phone about the transactions to try and receive a refund and was told Id have to file a fraud claim. Some one used my card multiple times to purchase bitcoin on a website named XXXX. I have no idea how bitcoin actually works, and was talking to the company to figure out what could be done to help get my funds back. I then reached out to my bank and told them about the situation and how this was a lot of money and very important money as well. They helped me to submit the claim and told me within 10 business days id have a temporary credit or some kind of answer. I then called again to see if I could get the credit sooner because this was a ton of money that had been taken from me. I was told that the claim will be escalated and ill receive the claim in 24-48 hours. A few days go by and I hear nothing! I was told if I call again, the rep would have to update the notes on the claim which would restart that 24-48 hours and essentially prolong receiving any credit. So I then waited and waited and heard nothing. Finally I decided to call back to get some kind of update and was told the claim had been denied!!! I asked why and was told id hear something soon. I asked could the claim be re-opened and was told no it couldn't. A few days later I get a message on my BofA message portal saying the claim was denied due to an agreement that I had with the company!! I was so confused!!!! I have no idea who the company is and never had any contracts with them. During that time I had just moved to XXXX from XXXX after transitioning out of the XXXX. I did not get a fair investigation at all!! My claim was completely rushed and closed just so I wouldn't be given any credit. I had XXXX issues with BofA prior to this. All of my direct deposits were sent there. Now I have lost all trust after being treated unfairly. I am demanding a new investigation! That money was very much needed and not fair that it was just taken away from me and the ones I trusted to help me, did the complete opposite. 

Claim ID : XXXX Amount : {$8300.00}
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I have been enrolled in PSLF since I have been working for the state and federal government since I've graduated from my XXXX XXXX degree ( FYI, I received by degree in the XXXX XXXX from XXXX University so I couldn't select it in the form ). When I started with the state government in XXXX, my loan repayment program was income driven until I moved to the federal government in XXXX. When I moved to the federal government in XXXX I moved to a ten year repayment plan schedule which moved my monthly payment to approximately {$450.00}. Starting in XXXX my current employer offered to pay part of my loan down at the amount of $ XXXX. They've paid this amount for XXXX and XXXX, however, my monthly payment did not go down. I've requested Pennsylvania Higher Education Assistance Agency ( PHEAA )  as to why my monthly payment would not be reduced as my loan amount has reduced by 50 %. I've called them and emailed them several times over the past month and they refuse to recalculate my monthly payment and have stopped responding to me. I am quite confused as to why my monthly payment would not be reduced when I'm trying to pay off my loan prior to the PSLF end date in XXXX. I have conversations documented via email.
Consumer complaint received 2024-10-31
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. (OH)

I have noticed some incorrectly reported late payments on my credit report which I have always maintained on time payments. consumer reporting agencies have to report accurate information and this information is not accurate. I've made on time payments and have made large payments to pay off and close this account early which has happened all on time. I urge you to provide evidence of these being late and if you can not I want these late payments reversed promptly.
Consumer complaint received 2024-10-31
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. (MD)

I am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.