davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information SANTANDER CONSUMER USA it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. 

I am herby requesting all above disclosures required by Federal.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on XXXX, XX/XX/2023 on EXQUIFAX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on XXXX, XXXX on EXQUIFAX and XXXX on XXXX
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (FL)

I had no knowledge of these credit agencies putting these collection on my report without my knowledge. They appeared on my credit report within the past 6-12 month span ranging from {$500.00} - {$3700.00}. I have different companies constantly calling and emailing me for a collection I do not owe them.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Re : XXXX XXXX XXXX Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Re : MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2023-07-02
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. (KY)

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/ on XXXX, XX/XX/ on XXXX and XX/XX/XXXX XXXX XXXX  on EXPERIAN Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on XXXX, XXXX on XXXX and XXXX on EXPERIAN
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX I never received a response, and I just checked my new credit report and not XXXX, XXXX, or Experian updated this to in dispute. I know that this is against the law.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

Convergent Outsourcing , Inc. was a company I had never heard of until I received a letter from that stating I owed them money from an old XXXX account that ended with me paying it off in full and leaving a {$0.00} balance. This all struck me as odd. Therefore, I kindly requested that they send me proof of the debt due to my family and my history of being a victim of fraudulent companies. Instead of sending me proof of the debt, Convergent Outsourcing , Inc. sent me a " fraud packet '' asking for my social security number, government-issued ID, and other personal information! I, therefore, decided to look into Convergent Outsourcing, Inc. more deeply. After all, I had never heard of Convergent Outsourcing, Inc. nor had I ever agreed to do business with them.

Therefore, I did some very basic Googling and quickly found that Convergent Outsourcing , Inc. is a company that recently underwent a class-action lawsuit for data breaches and failing to safeguard customers ' personal and sensitive information.

I am convinced that Convergent Outsourcing , Inc. is fraudulent. I told them via certified mail that if they are going to report the account to my credit report, they need to follow the law and provide me with proof of the debt that they claim I owe them. Yet they have failed to provide anything except demand me to provide them with my personal and sensitive information!
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-30
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. (MD)

I sent a letter last XX/XX/XXXX to remove all negative items listed in my report that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00}
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (TX)

XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE THREE CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON XXXX XXXX XXXX SEARCHES FROM XXXX. XXXX XXXX DOB IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST FOUR ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST XXXX OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE BIG THREE AND TGEM SIDING WITH THE COMPANY THIS SHOWS TGE CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.
Consumer complaint received 2023-06-29
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. (TX)

XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE XXXX CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON MY DARK WEB SEARCHES FROM FICO. XXXX XXXX XXXX IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST XXXX ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST FOUR OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE XXXX XXXXXXXX AND XXXX SIDING WITH THE COMPANY THIS SHOWS XXXX CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.
Consumer complaint received 2023-08-15
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. (GA)

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 2023-06-30
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)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX as known as XXXX XXXX XXXX XXXX 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 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 moreover 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 2023-06-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

There was a lock on my Apple Card on XX/XX/2023. After using support text with the product, I was informed, " I can see that the account is under review at this time. Occasionally we will put accounts under review for the safety and security of our users. While I can not give an exact time frame for when this review is complete, we will contact you as soon as possible with any updates or if we need additional information. '' Next day there was also a lock on my Apple savings account, which I was told was a system generated lock since the card was locked. 

On XX/XX/XXXX I had logged a complaint with a supervisor who told me it would take up to XXXX business days for a superior to get back to me with more information. 

Several attempts both by phone and text support were attempted with a XX/XX/2023 response : " Your account is currently under review. For security purposes we are not provided any information regarding your account review. Once the review has been completed, we will contact you back with further information. If we are unable to reach you, a voicemail with call back information will be left. '' Additionally, " I'm not given information as to why it happened, I do know that the turn around time is based on a case by case basis. '' Days later I was able to have Goldman Sachs unlocked the credit card by answering some simple questions, and was told that there a declined charge and they attempted to contact me even though I verified the charge was correct when notified via the Apple XXXX messaging. I was able now to use the card and since I was told by the savings account XXXX that they could not unlock the savings account until the review by the credit card product was completed, I asked to speak to them to proceed with the unlock. I was notified by the savings account XXXX that there was indeed still a review on my credit card product irrespective of the ability to now use the card without any lock. They informed me that they were not able to unlock the savings account due to that department 's continual review. 

From the aforementioned complained I filed on XX/XX/2023, today is XX/XX/2023 - XXXX business days later and no communication from Goldman Sachs regarding this matter. I was advised today to file another complaint to the same department which failed to return communication within their promised XXXX business days. I was told by a supervisor in the fraud department for the credit card product that that is the best which they can do to contact any superiors for escalation. 

Since XX/XX/2023 I am still unable to access funds in my savings account now for over 16 days - and with no recourse to rectify the situation. 

Any help would be greatly appreciated! 

Best, XXXX XXXX
Consumer complaint received 2023-07-02
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: SANTANDER HOLDINGS USA, INC. (IL)

Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with Santander providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). Santander, a subsidiary of XXXX Santander XXXX, is a leadina originator and servicer of nonprime auto loans and leases. Santander furnishes credit information on the auto loans it services by sending monthly data files to CRAs. 
The Bureau found that the consumer loan data Santander furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires Santander to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative Santander car
Consumer complaint received 2023-06-30
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}
Consumer complaint received 2023-06-30
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-30
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (OK)

In XXXX of XXXX  I paid XXXX XXXX XXXX  in order to get a paid in full letter and the collection deleted from my credit report. The collection was deleted but I never received a letter. NOW another collection agency is attempting to collect the same debt for the same closed, and settled account that was paid to XXXX XXXX XXXX!! Ive contacted XXXX XXXX XXXX  the last 3 days in order to get a letter showing the account was resolved, and each time they promise I will receive the letter by end of day. I wait all day, and dont receive anything. 
They refuse to let you speak with a supervisor and have yet to provide any documentation. At this point I feel like ive been scammed out of paying a debt by this company who fails to provide adequate notification to the original debt owner or any documentation to me. 
XXXX in the process of purchasing a home and now have a collection on my credit report due to a debt ive already paid. If this isnt resolved immediately I fully intend on perusing legal action for the damage this is causing.
Consumer complaint received 2023-07-01
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. (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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 

These following laws prove that these accounts have to be removed : - 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.