davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and remove them immediately from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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 2023-05-01
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: JPMORGAN CHASE & CO. (KS)

I applied for a Chase Sapphire Preferred Visa account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from JP Morgan Chase Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed JP Morgan Chase had also inquired on my XXXX credit file. The disclosure that XXXX was utilized in the denial decision was not disclosed in the denial letter I received. JP Morgan Chase also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of XXXX JP Morgan Chase advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.
Consumer complaint received 2023-03-22
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: CITIBANK, N.A. (NY)

In accordance with the fair crediting reporting act, these creditors have violated my rights. Under 15USCC1681 SEC 602 which states that I have the right to privacy. 15USC1681 SEC 604a section 2 which states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (NC)

XXXX XXXX. XXXX XXXX XXXX XXXX representative for XXXX XXXX All Rights Reserved UCC 1-308 Re : Defamation of Character notice SANTANDER CONSUMER USA account # XXXX You are using Color of Law to collect, publicize, furnish, share, disclose and report inaccurate information about me as defined by 15 USC 1681a ( q ) ( 3 ).

These actions are depriving me of my right to contract. In addition to the credit extension deprivation, I have also missed and continue to miss a substantial amount of work which has resulted in me incurring and ongoing loss of wages. 

My previous communications have been, neglected and outright mishandled. After reviewing my records it was discovered that there has never been a fair or equal consideration of value in this matter. I hereby demand my vehicle be reported as paid off, my title delivered via mail, and the release of all my funds paid, including interest accrued in regards the the vehicle under previously stated account. 

Failure to comply or properly respond to this notice will serve as your reluctant agreement to the statements made herein this notice, your agreement to FULL liability for any injuries caused, criminal prosecution and will absolutely result in further legal action being taken against you. It is not the burden of the consumer to further prove legal validity of TILA rescission once the complaint was not responded to in a legally timely manner. 

It has also come the the administrative and legal counsels attention that you have been erroneously and illegally acting as administer over his account that belongs to the administrator XXXX XXXX the legal holder of this account. Because you failed to disclose all the terms of agreement ( the word you mention in this correspondence in all its variations is referring to SANTANDER CONSUMER USA and its associates ), youre serving in the capacity of anything other than fiduciary/trustee is hereby terminated forth with and henceforth. 

Under the Federal Debt Collection Practices Act, I now exercise my legal right to challenge the validity of this debt your agency claims I owe. 

I declare under the laws of XXXX that in the before mentioned statement of facts is true and correct.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc. (NV)

OnXX/XX/XXXX my application for rental was denied due to information that is vacated and sealed with the courts. 

Appfolio denied me based on my old information they had in their database. 
Literally pulled my credit report and XXXX seconds later I was denied. 

I've wrote them letters twice once last year and once this year in XXXX for disputing and removal along with valid proof and they still haven't done such.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/XXXX  I signed on to my mortgage lenders site to make a payment. At that time the payment was accurate and as expected based on what I owed. When I logged in the very next day they were showing an amount due to that was over {$200.00} more than what my normal payment is. The payment went from approximately {$1800.00} to {$2100.00}. At first I thought it was a glitch, so I logged on again today and saw again that the payment indeed was showing as {$2100.00}. My taxes and homeowners insurance didn't increase by over {$2400.00} for the year, so I couldn't understand why the payment would have gone up so much. So I called them today ( Monday XX/XX/XXXX ). They said that they put a new requirement in place where they wanted all of the escrow upfront to pay taxes and insurance. And that since I didn't have it all upfront the extra monthly amount was to catch up to that amount. I was never given notice of this change, nor time to adjust and figure this out in my budget. I just received a new bill. I've been with them for over 5 years and I've never had this happen before and it appears to be unfair to just raise someone's mortgage payment without even giving any kind of notice or options.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Please take this complaint seriously. For months now I have been trying to correct errors on my credit report but my efforts to address these issues have been consistently ignored and it is really insulting. I want to buy a car or a house and start to build my business but these inaccuracies on my report are a big hindrance in achieving that- it's taking a toll on my mental health and financial stability.
Consumer complaint received 2023-03-22
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. (FL)

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2023-05-09
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NM)

I have been receiving phone calls daily from midland credit for the last 3 months asking for XXXX and giving out a birthday and address that are not mine. They're not identifying who there are. They keep on with is this XXXX?
Consumer complaint received 2023-03-22
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: ERC (NY)

I'm composing this complaint to XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The accounts below are in violation of my rights. The credit bureaus TransUnion XXXX XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. XXXX. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? TransUnion XXXX and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXX XXXX XXXX Account number XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-05-09
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: CarMax, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that 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 Instruction. 

Remove these late payments immediately and update my account as you are in direct violation of The Fair Credit Reporting Act.
Consumer complaint received 2023-03-22
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 continue to receive vague reinvestigation statements from Experian. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the EXPERIAN Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX  with XXXX ; the Representative from the Dispute Department initiated two case numbers. XXXX XXXX XXXX through XXXX Credit Bureau and CASE No. XXXX FTC complaint.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (FL)

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : SANTANDER CONSUMER USA Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXX XXXX of XXXX : XXXX remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-01
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. (IL)

I am writing to dispute the accuracy of my credit report, which contains an account that does not belong to me. I did not authorize anyone to use my account, and it is therefore unacceptable that it appears on my credit report. I have attached the necessary documents to support my claim, and I request that you take immediate action to remove this inaccurate account from my credit report.