davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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: SANTANDER HOLDINGS USA, INC. (TX)

I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. 12 US Code 83 ( a ) and ( b )
Consumer complaint received 2023-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

Reference # : XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claim act. I would like the name and address of the original creditors as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress!
Consumer complaint received 2023-07-04
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. (GA)

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Consumer complaint received 2023-07-04
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-05
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. (MO)

I'm XXXX years old. I no longer have debt, make no payments, do not have any credit cards. I use only one debit card. I own my 2 homes, 2 cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted XXXX for a credit score. XXXX said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as 5 credit cards. 

I want XXXX to issue a Credit Score for me.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (TX)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (TX)

On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX  XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. 

I was also told they " don't care about XXXX  XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management {$550.00} is unlawfully reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. has failed to provide a copy of any wet signed applications t, which raises concerns about the legitimacy of their actions. I also have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.
Consumer complaint received 2023-07-05
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
XXXX XXXX  XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

This was a lease vehicle that was returned and fully covered. During the time I contacted XXXX when they stated this was due as per the tires and I was told it would be corrected that it was a mistake in the system as I paid for full coverage of all wear and tires within my lease agreement return.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

To begin, I would like to ensure you have and ONLY retain existent, TRUE, CORRECT, COMPLETE, and MANDATED rumored facts Per FCRA regulations, any and all others that potentially can be supposed or elsewise revealed now or else wise I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul lastingly and immediately any and all negligent of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it factual or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any mandated OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or made known, if ANY REMOVE FROM REPORTING NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 
( b ) I do NOT have any preconditioned to be OTHER addresses and I do NOT covet any OTHER ADDRESSES to be retained o r described, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 
( c ) I do NOT have any necessarily OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( XXXX ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT yearn for any OTHER Dates of Birth to be retained or proclaimed, if ANY blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 
( XXXX ) I do NOT have any telephone numbers and I do NOT have ambition for any telephone numbers to be retained or recited, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). 
( f ) I do NOT have any employers and I do NOT have wish for any employers to be retained or communicated, if ANY annul NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ). 
Page XXXX of XXXX ( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT long for any spouses/ roommates/ co-applicants to be retained or reputed, if ANY eliminate NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( XXXX ).
Consumer complaint received 2023-07-05
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (OR)

Navient is calling anyone who is associated with me. They are giving personal information and information about the private student loan debt that a cosigner paid. A navient employee called an ex significant other of mine last week. He told him I owed a debt and was defaulted. He was asking XXXX for my personal information and telling him I would get sent to collections if he did not tell him my contact information. The private loan account is closed and charged off and has been since XXXX XXXX. My mother 's boyfriend XXXX also got a call about this same account and was told he needed to tell them my information or it was going to be very bad for me. This event happened last year in XX/XX/. Navient is breaking the fair practice laws, threatening people and making false claims while giving out my personal information.
Consumer complaint received 2023-10-02
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. (SC)

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.

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 2023-07-06
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-30
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. (TX)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2024-09-05
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. (CT)

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 and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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 2023-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (MD)

NCB did not look into the fact that this is a write off by XXXX. The original creditor XXXX XXXX XXXX has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by Internal Code and regulations must report closed out debt to the IRS. 
The fact that XXXX wrote this debt off as a charge off means that XXXX reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. XXXX could not legally sell this debt, therefore they have violated my privacy by selling my information to NCB, and NCB has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. XXXX May also be in violation of other laws if in fact they did sell a debt to NCB and collected any money from that sale, after reporting it as a loss to the IRS
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (CA)

This is a complaint..but more so how can you scenario. How can banks, lenders, get away with charging high interest on vehicle loans? Your purpose is to HELP PEOPLE, Not XXXX them and set them up for failure. You feed and prey on high risk people such as my self. Deferring payments doesn't help. 13 % on a car that's not worth XXXX $ a month is ridiculous. While yes I signed the papers, I was desperate. High risk people deserve the same rates as those that aren't high risk. At XXXX 8 % on interest. But when someone asks you to lower their interest for at least 6 months, you should TRY to help them. Not defer payments and not punish them by threatening repossession. You Have No Idea What that person is going through and why they got behind. Maybe they're embarrassed to reach out or ashamed. Regardless, your job as lender is to help. If you're planning on charging high interest, you're better off denying the loan. Some us of are trying to better our credit and 13 % at XXXX $ a month isn't helping. Wells Fargo had to do a huge payout ... and they still haven't learned their lesson because they're still screwing people over.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"