davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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: DriveTime (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I had serval fraudulent credit cards opened in my name. I reported them 2 of the 3 were taken care of but the XXXX one citi bank hasnt resolved my issue. And I have called multiple times and reported on line multiple times and they are no help.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

I opened a chase checking account on XX/XX/2022. I opened this account in order to store funds and save up some money. I generally use XXXX XXXX a lot so I regularly send deposits to my bank account. Everything was fine despite having difficulties using XXXX to transfer small funds to cover a bill. The XXXX would flag my account and I would have to call in and verify everything in order to unlock my account. The representatives assured me that it wouldnt happen again but it persisted several times after. I made a {$2000.00} from my cash app to my chase. The money deposited and I had no issues. I tried to XXXX some money to my other bank ( BofA ) to cover a bill and of course it flags my account once again. I called in to unlock my account and the representative states my account has been restricted and would be closing within 10 business days due to fraudulent /suspicious activity. They stated that the XXXX XXXX deposits are flagged because it is coming from a different name. Yes I have my XXXX XXXX under my alias name. Lots of people do this. They stated I have to prove that I am indeed the alias send a form with both names and the source of funds is legitimate. Ok no problem I submitted my XXXX XXXX statement which shows everything the transactions and transfers to my Chase account. Unfortunately the branch made a mistake in sending over the documents twice! Wasting more time and I have been so patient and understanding. So the branch finally sends over the documents and now they state based off the notes the banker put my alias as a Business basically assuming my XXXX XXXX is a business account which it is not! I stated that from the first time I spoke with a representative and told the bankers several times. The representative told me I have to go back to the branch tomorrow and have the banker call the compliance department this was told to me today XX/XX/2022. So much mistakes on Chase I feel like a victim this is absolutely unacceptable. I will be going to the branch early morning tomorrow for the 10th time. Countless phone calls and I just feel like no one is trying to help. I need my funds they ruined my birthday because they are holding my funds hostage and I will not allow them to ruin my XXXX. My BofA account which I now use with my XXXX XXXX gives me no problems whatsoever. People use aliases all the time especially with XXXX XXXX the document I submitted even proves it. I will close my account after this issue is resolved and never use or recommend chase products or services.
Consumer complaint received 2024-08-25
Product: Credit reporting 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-04
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. (PA)

I have recently reached out to all three credit bureaus about the incorrect reportings of hard inquiries on my credit report. the inquiries were for an auto loan. The credit bureaus informed me that I had to reach out to the banks. Yet the banks said that I had to contact XXXX, XXXX and experian to resolve the issue. 

The reportings are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-04
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: Exeter Finance, LLC. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company EXETER FINANCE LLXXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2022-12-04
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: FIRST PORTFOLIO SERVICING INC (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2022-12-04
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: BROKER SOLUTIONS, INC. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc1681 section 602 states I have the right to privacy. 15 usc1681 section 602 states 2 : it also states a consumer reporting agency can not furnish account without my written instruction. 15usc16666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-04
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: Bridgecrest Acceptance Corporation (TX)

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (CA)

I do not recall any of these inquiries to below and had already filed an identity theft 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
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2022-12-04
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. (CA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card & open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

have been using lexington law XXXX XXXX for credit repair fees do too identity theft issues since XX/XX/2016. my credit was repair once brought up to a XXXX and then dropped to a XXXX after paying XXXX for years the dropping to a payment of XXXX. Am still being charged after being short handled and given a low amount of refund and also after changing the account twice.
Consumer complaint received 2022-12-04
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: Self Financial Inc. (GA)

15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for purpose. 

CFPB COMPLAINT
Consumer complaint received 2022-12-04
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: CREDIT ACCEPTANCE CORPORATION (IL)

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 a payment on a credit card account under un open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-04
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Experian didn't properly verify the items on my report and I didn't receive the original consumer contract with my signature on it. By law these unverifiable items must be removed immediately
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Consumer complaint received 2022-12-04
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: SANTANDER HOLDINGS USA, INC. (VA)

In XXXX I opened an account with Santander USA while purchasing a car. 
Every payment per month, I obtained 1 point toward my credit score. During Covid, I complained about the company Santander USA for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the Santander USA staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late.

Their efforts failed. Their system partners with credit bureaus such as XXXXXXXX, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, Santander USA recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the Santander USA, XXXX, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX Santander USA reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of Santander USA, XXXX, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, Santander USA, XXXX, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
Consumer complaint received 2022-12-04
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. (SC)

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 a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

this debt is not mine this account was unauthorized to be used or opened be me. I did not give any third party access to open this account. the original creditor ( XXXX XXXX ) has been contacted before posted date XX/XX/XXXX and has failed to contact me with any resolution to this issue. as of XX/XX/XXXX no updates has been made no contact from original creditor. 

account # : xxxx xxxx XXXX
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

15 USC 1681 Section 602 States I have the right to privacy.

| 15 USC 1681 Section 604 A Section 2 : It also states consumer rep furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
waXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX works. I d gov so
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

ON APPROX. XXXX XXXX XXXX I DISPUTED A FEW STUDENT LOANS ON XXXX, EXPERIAN AND XXXX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.