davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (MO)

Experian is continued to violate my consumer rights and slso bypass and disregard all ruele and regulations and procedures. I continue to reports to the CFPB and show my proven records of this company that ignored the law. Something seriously need to get done and i feel as a consumer I am constantly being lied to and tried any kind of way alll because of what this compay continue to report on my credit file even when i dispute items they pick and choice what items they want to dispute or remove. The items they say that i have previous disputed will not be disputed or removed because the creditor has verified that the information is correct but i continue to show proof to what the bureause are saying are lies. I continue to show updated credit reports to were the bureaus say they verified accounts but the account are still the same with no updated but just heresay so i want get the account removed. I have sent lettrs explaing the metro 2 law, 15 USC 1861 law and still the bureause dont do anything but say they are reporting correct information. So I have continue to upload documents to what i have sent and then the corresponse I get from the bureau.I got information to show proof of different bureaus removing accounts off my credit but Experian continue to lie and say they verified the account and I ask them like who verifid what?
Consumer complaint received 2018-04-20
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: ERC (AR)

Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX  The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

Hello, I was recently on an XXXX XXXX flight back from XXXX ( DC ) to XXXX ( XXXX ) on XX/XX/XXXX. I was presented with a promotional offer for an XXXX XXXX XXXX XXXX XXXX card. The flight attendant first mentioned the promotional terms verbally ; she listed off all the advantages, one of which was an introductory 0 % APR for 12 months. They they handed out promotional flyers with those terms on them as well, the introductory 0 % APR for 12 months was also included on this too. 

So, I filled out the form and applied for the card. Once approved, I then immediately called in to set up the recurring payments and confirm by bonus miles ( I am not sure of the exact date but it was a few weeks after my flight, it was the date that I set up auto draft so should be easy to locate ). The agent set up the recurring payments, confirmed my bonus miles usage and even confirmed that my intro APR was not just 12 months but 18 instead! I was very happy with that. However, it was not until my recent statement that I saw an interest charge ... .so I called in ( today XX/XX/XXXX ) and the agent told me I only had a 15 month into APR of 0 % but ONLY for balance transfers, not purchases. This was not specified on the promotional material at all or even with the agent I spoke to later when setting up my recurring payments. 

I felt that I was mislead intentionally to take out this card. This is a ver unfair and deceptive practice and XXXX & XXXX should be held accountable.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (PA)

On ( XXXX ), 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.
Consumer complaint received 2023-04-19
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. l received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2023-04-19
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. (TN)

I am writing to file a formal complaint against Equifax for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation with the company, they have failed to comply with federal law and correct the errors on my credit report. 
As a responsible consumer, I have always been diligent about monitoring my credit report for accuracy. However, I was shocked to discover that Equifax had included unlawful information/accounts on my credit report. This inaccurate information has had a negative impact on my credit score and has made it difficult for me to obtain credit when I need it. 
I have made repeated attempts to contact Equifax to rectify this situation, but they have failed to take any action to correct the errors on my credit report. This is in clear violation of federal law, which requires credit reporting agencies to ensure the accuracy of the information they report. 
I am now requesting that Equifax be held accountable for their actions and that they take immediate steps to correct the errors on my credit report. I also request that the CFPB launch an investigation into Equifax 's practices and take appropriate action to ensure that other consumers are not similarly affected.
Consumer complaint received 2023-04-19
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. (DE)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g.
Consumer complaint received 2023-04-19
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. (DE)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (NC)

My name is XXXX XXXX. 

I have a credit card with U.S. Bank. 
The product is called US GO bank credit card.

U.S. Bank has disabled my username since XX/XX/23 and not able to resolve the issue. 
When I contacted the customer service ( XXXX - XXXX XXXX, the agent was not able to her job duties proper to address my concern. 

There was no resolution provided and she was extremely rude in her behavior. 

My online access is still blocked and unable to see or monitor any credit card transactions.
Consumer complaint received 2023-04-19
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. (OK)

Yesterday i disputed a collection account... It was originally XXXX XXXX which is a XXXX account. I disputed it as you will see from my images that the debt collector reaged the account reporting it as new which is ILLEGAL per the FCRA. I disputed it and they spent 5 seconds and verified it as accurate even though I explained the date issue they constantly refuse to investigate any of my disputes and refused to take my phone calls now as I get connected then dropped shortly after. They also refuse to allow me to submit disputes.
Consumer complaint received 2023-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TN)

I already have a current complaint in about this company. They wont stop calling me its abusive. They put this debt on another reporting agency the day after I filed the first complaint with this bureau, as I feel its in retaliation. I also starting to feel like the debt holders are intentionally trying to avoid looking at all documents in a dispute and trying to have verbal discussion outside the consumer financial bureau. No this is a cease and desist order on phone calls. Cant prove who you are or is its a spoofed number and I have evidence of phone call abuse from attorneys in XXXX XXXX during my XXXX XXXX claim as pro se. This company states there policy is no email, well I ended the conversation because I dont do verbal and obviously they have a email as a registered company. There is a phone record I called before this company unlawfully putting a debt on credit reports when everyone has been in the know. This dispute doesnt need more communication. The proof of unlawful activity from the state of XXXX  has been given, again, emails were sent out many many times. The law is the law. Stop abusing me. Im a XXXX man. A government official was let go for misconduct on XX/XX/2022, one of persons names involved in this case. I videotaped myself going there and passing in evidence to the Attorney general. My affidavits already proves more misconduct and abusive behavior especially to a XXXX man.
Consumer complaint received 2023-04-21
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. (FL)

I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. 

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.
Consumer complaint received 2023-04-21
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: CBC Companies, Inc. (CA)

I'm making this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

My XXXX XXXX account was compromised. The person that gained illegal access to my account purchased several games using the stored debit card information on the XXXX XXXX account. The four fraudulent transactions are listed below along with the dates they were posted to my bank account : XX/XX/2023 : {$74.00} XX/XX/2023 : {$29.00} XX/XX/2023 : {$74.00} XX/XX/2023 : {$63.00} I reached out to XXXX to have the charges refunded and to recover my account. I was able to recover my account, and was refunded for 3 out of the 4 transactions. However, XXXX refused to refund the 4th transaction, {$74.00}, claiming " Company policy does not allow refunds on games that were already downloaded ''. Since the person who fraudulently used my debit card had already downloaded the game, XXXX refused to refund me. 

I filed a dispute with my bank, PNC, and waited to hear back. An agent with PNC informed me that the dispute was denied. I asked for the reason and was told " You were already refunded by the vendor. '' This is not true. PNC is likely confused as to the total number of fraudulent transactions. I only disputed one transaction with PNC, {$74.00}, as the other XXXX transactions were already refunded by the vendor, XXXX XXXX. 

To summarize : 4 fraudulent transactions were made using my stored debit card information on my XXXX XXXX account. The vendor, XXXX XXXX, refunded 3 of the 4 transactions, but refused to refund the 4th. I filed a dispute with my bank, PNC, for the 4th transaction, but was denied. The disputed amount is {$74.00}.
Consumer complaint received 2024-10-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WV)

We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 
In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX , Account Name : XXXX XXXX XXXX Account Number : XXXX, Collection Account : XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy. 
15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.