davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (OH)

On XX/XX/2023, I sent flagship credit acceptance a letter and they sent it back with a stamp on the envelope saying in dispute. Today XX/XX/2023 I woke up and my car was repossessed. They never sent me a letter or tried to contact me at all. They zeroed out my account then changed it to a chargeoff online. They did an illegal repo and I want to my car back. They are telling me I have to pay {$6600.00}. to retrieve my vehicle. I have sent them countless letters for payment, and I have sent them a recission letter that they brushed off saying that they don't agree with. On XXXX XXXX, I sent them a recission letter which they denied to honor. XXXX XXXX XXXX never responded to my recission letter.
Consumer complaint received 2023-06-21
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. (IA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-21
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. (MA)

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : ( XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), ( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$480.00} ) These accounts were never late, and I request the removal of the late payment from my credit report. 

( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$720.00} ), ( XXXX  Account # : XXXX, Date Opened : XXXX Balance : {$1500.00} ), ( XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX Account # : XXXX, Date Opened : XXXX Balance : {$660.00} ), ( XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ). 

These accounts are not mine, and I request its removal from my credit report.
Consumer complaint received 2023-06-21
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. (NC)

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 2023-06-21
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: I.C. System, Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

As a longstanding Citibank client, I'm deeply disappointed with my experience. While on vacation in California, my card was declined during a purchase. I called customer service, disputed the charge successfully, and went through identity verification. However, the next day, the card declined again and again, four days in a row. 
During my most recent interaction to solve this, I was asked irrelevant questions about additional accounts, including an account number I couldn't recall. I am on vacation and it is difficult to retrieve random documents unrelated to the issue at hand. Despite providing the necessary verification information, the representative declined it all and disregarded me, instructing me to visit a branch for information retrieval. He took my phone number and promised he would call me back. After a half-hour trip to the branch, I discovered it was closed, and my card was already retained with a letter dispatched to my mailing address. He did not call or tell me that all branches were closed for XXXX, even though he knew. This abuse of authority was unacceptable. 
When requesting to speak with a supervisor, I encountered dismissiveness, confrontational behavior, and arrogance. Despite my attempt to clarify the actions of the previous representative, she aggressively disregarded me and instructed me to get the letter, even though I can not retrieve it. Although I provided accurate responses to all verification inquiries, the representative declined to offer assistance and terminated the call. 
Subsequent attempts to contact Citibank resulted in the phone being hung up in my face, as if trying to humiliate me. The disregard for customer concerns and the air of superiority displayed by Citibank 's representatives are unbelievable and disgusting. It's disheartening to witness such a negative reputation and a lack of empathy from a renowned institution.This is the promise of Citibanks customer service- do not help your customers, no matter what.
Consumer complaint received 2023-06-21
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. (KY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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
Consumer complaint received 2023-06-21
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. (FL)

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I have a checking account with Santander Bank, and I received a text message on XX/XX/XXXX alerting me to possible unauthorized transactions on my debit card. I was n't sure if the text was legitimate, but I immediately checked my account and there were XXXX unauthorized transactions. I then called the customer service number in the text message and was connected to the Santander fraud department, who immediately declined XXXX of the XXXX unauthorized transactions. They let me know that the fourth transaction, in the amount of {$50.00}, was already processing and would post to my account on XX/XX/XXXX. Their instructions were to call regular customer service on XX/XX/XXXX when the transaction posted. They also told me on the phone that the security breach affecting my card had happened XXXX days earlier and they were already in the process of issuing a new card, although they had not notified me of this and had left the old card open in the meantime. 

The XXXX unauthorized transaction of {$50.00} did post to my account on XX/XX/XXXX, and I immediately called customer service. They told me they would open an investigation, which would include sending me an affidavit in the mail, and after that it would take a minimum of XXXX business days until they could restore the {$50.00} to my account. I find it extremely disappointing that the bank will not credit back the money when it was the bank themselves who notified me of the unauthorized transaction. 

I asked for the money to be credited back immediately and was denied. I also asked what the bank is doing to protect me from fraud, and what benefit there is to me being a customer with their bank, and was given no good answer. I am filing this complaint because I am still without the {$50.00} in my account, and because I want to warn other consumers about how frustrating it is to do business with Santander Bank.
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TexCap Financial, LLC (TX)

Caller says they are with TexCap Financial and they need my birth date to confirm my account. I tell them that I am not divulging personal information to someone I do not know or have any business dealings with. The person says that the calls will continue until I share my birth date. I do not have any auto loans outstanding and the only loan I have is my mortgage. 
I am called twice every day and I am told until I release my birth date the calls will continue. This is harassment for personal information.
Consumer complaint received 2023-06-21
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. (IA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I received my credit card bill and I have a credit on the account of XXXX. This bill is as of XX/XX/XXXX. I called USAA XXXX and asked that I receive a check in that amount. The first representative could not figure it out so I went a a person " XXXX '' on the " XXXX resolutions team ''. She pulled up that statement and agreed that I did indeed have this credit on the card. She said " other charges had come in '' and refused to process the check to me for {$71.00}. I indicated to her that this is a CREDIT CARD and that until my next bill date I am current on my account and that I am under no obligation to pay my bills in ADVANCE as this is a CREDIT CARD. I also informed her that she was in violation of the law and that I would be contacting you. 
She said " that is your right ''. Thus I am contacting you to have this check issued immediately for the {$71.00} and stop this practice and fine them for their flagrant violation of consumer rights.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was charged a return check fee for a check written from my Capitalone 360 checking account, check # XXXX in the amount of XXXX. CapitalOne supervisor by the name of XXXX agreed to waive overdraft fee in the amount of XXXX, however, there is still an issue of return check fee in the amount of XXXX, the attached screen shot shows the charge by XXXX Bank. A deposit made prior in the amount of XXXX should have covered this check written from my XXXX checking account, however, a finance charge posted after which caused account to become overdrawn. Previously, the account was brought to a zero balance and I also had an overdraft credit line in the amount of XXXX, but that was brought to zero without my previous knowledge. No notice was received stating so, otherwise I would not have written any checks. Please advise Capitalone I need XXXX return check fee credited to my account
Consumer complaint received 2023-06-21
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. (MD)

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (MD)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

In accordance with the fair credit Reporting act XXXX Account. 
This creditor 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.

Along with hard inquiries as well.
Consumer complaint received 2023-06-21
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. (OR)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am filing this report due to a critical concern regarding my FICO score. This is the third time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Equifax was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. The factors that were given were no recent revolving balances, few accounts paid on time, and accounts with balances ( see attachment ). My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever between XXXX and XXXX? I have no inactive accounts reported to any of the credit bureaus ( see attachment ). I also have only two credit cards reported and a mortgage, none of which are in delinquency or late ( see attachment ). I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 24-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.