davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC. (NY)

I applied and was approved for a Santander Ultimate credit card in XX/XX/XXXX. 

From the start there was a never ending series of problems, from issues with the mobile applications, the website, and access to certain information. All of these problems still exist. 

This complaint however pertains to my credit rating, which dropped by almost XXXX points because of the incompetence of XXXX. 

When I set up autopay, unbeknownst to me, there was an issue with the checking account number. There was no easy way for me to see my full account number, so I had no idea that the number was incorrect. It meant that payments weren't being processed by autopay, but even when I tried to pay by phone with Santander, they didn't go through. 

I spoke to XXXX XXXX XXXX in XX/XX/XXXX about the issue, who acknowledged that there was a problem with the account number. I repeatedly tried to contact him, but he never got back to me in order to fix it. 

I tried to resolve the problem with Santander with dozens of calls over the months with no success. They kept on insisting that it was my or my bank 's fault, even though I told them XXXX XXXX had confirmed that the problem was with Santander. 

Eventually, I was finally able to speak to someone who knew how to modify the account number and fix the problem. But it was too late and my credit score was affected. 

As a result, I was turned down for a credit card from another bank.
Consumer complaint received 2023-07-24
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. (TX)

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 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but Equifax 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.
Consumer complaint received 2024-09-17
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. (FL)

I recently review a copy of my credit report and noticed fraudulent accounts on my report XXXX XXXX XXXXXXXX is not my account and need to be remove from my report immediately. 

XXXX, XXXX XXXX XXXX is not my account and need to be remove from my report immediately. 
these fraudulent accounts are hurting my credit and my personal finance and need to be remove from my report.
Consumer complaint received 2024-09-17
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. (AZ)

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-11-12
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. (FL)

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

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 2019-10-23
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: LEXISNEXIS (GA)

To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

I am writing to file a formal complaint against American Express regarding the Delta Gold Card promotion that I participated in. I believe there has been a failure on the part of American Express to fulfill the promised promotional offer. 

On XXXX, I applied for the American Express Delta Gold Card with the understanding that, upon spending {$2000.00} within the first 6 months, I would be entitled to receive XXXX bonus miles and {$300.00} cash back if I made a XXXX purchase in the first 6 months. I am writing to express my dissatisfaction and frustration as, despite meeting the spending requirement promptly, I have not received the promised bonus miles and cash back. 

I made purchases, particularly airline tickets through delta, an I have well exceeding the required {$2000.00} within the specified timeframe. Despite my efforts to resolve this matter by contacting American Express customer service on multiple occasions, the issue remains unresolved. I have spoken to numerous agents, and each time I am assured that the bonus miles and cash back will appear on my next statement. Unfortunately, this has not been the case, causing significant inconvenience and frustration. 

In my most recent conversation with an American Express agent, I was offered an additional XXXX bonus miles as a gesture of goodwill while I wait for the original offer to be fulfilled. While I appreciate this gesture, it does not address the core issue, and the delay in receiving the promised miles and cash back has adversely affected my travel plans, specifically my XXXX trip with my family.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" 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. 
"
Consumer complaint received 2023-04-17
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)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 15 U.S.C 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) westlake financial balance XXXX, XXXX balance {$560.00}, XXXX XXXX balance {$7200.00}, XXXX balance {$1100.00}, XXXX XXXX balance {$3700.00}, credit collection service balance {$140.00}.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (FL)

I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX XXXX have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report today ( XX/XX/year>XXXX  ) and identified an error on my credit report for XXXX Account # : XXXX Unfortunately, I have submitted multiple disputes, contacted the servicer and called Equifax but my report still has not been updated. 
According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. Thank you.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (TX)

I have made several attempts to address the unauthorized inquiries on my consumer report without success. These inquiries have no connection to me whatsoever, and I am not responsible for them in any way. Their presence has resulted in considerable emotional and financial hardship. As an identity theft victim, I XXXX need to resort to legal action if this issue is not properly resolved. 

The false and fraudulent entries on my report have significantly impaired my financial opportunities, preventing me from acquiring my desired home and adequately supporting my family.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XXXXXXXX XXXX XXXXXXXX, I was in the process of buying a home in XXXX, S.C., the address was XXXX XXXX XXXX XXXX..I was buying it through my bank which is Bank of America . I was in his office XX/XX/XXXX at ( XXXX XXXX XXXX, XXXX, SC XXXX ) and he withdrew {$670.00} for an appraisal XXXX XXXX. After the inspection report I opted out of the contract on XXXX XXXX. The appraisal never went through. I ended buying another home, which I purchased for {$300000.00}. I put a down payment of XXXX, so I didn't need an appraisal.As of today I still haven't received my refund from the appraisal of XXXX XXXX XXXX XXXX , XXXX , SC . 

XXXX XXXX has been giving me the run around ever since. I have contacted the bank assistant XXXX and she stated I would receive a check in the mail since it was a debit transaction. Never received it and when I called her she told me to speak with XXXX XXXX. XXXX told he spoke to his boss XXXX XXXX about the situation and said they would take care of it. Waited a couple of weeks and still not resolve. I spoke to a representative in the bank about it and he told me he couldn't do anything about because the Mortgage company is a different division. He to told me to talk with XXXX XXXX about it. I spoke to him on XX/XX/XXXX and he said he submitted it again and waiting for approval. On XX/XX/XXXX, he texted me and said Just got back from vacation and been checking up. Your request is still in process not declined so that is positive but hasn't been approved yet either. Just wanted to keep you posted.Have other texts also. Tired of getting the runaround. If you can do anything would appreciate. Thank You!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Over the past XXXX years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I was on a phone call ( recorded line ) with an agent and I was making all of my payments on time and with under 30 % credit utilization. My credit score kept dropping with XXXX, no matter how small my credit usage was. I didnt know why until I gave them a phone call and they stated that the reason why my score keeps dropping is because there is a collections on my account. I have never been in any contract with that debt collections company and I have demanded that it shall be taken off as there is no documentation of my contract with that debt collections company. 

Also, I would like to report XXXX for violating the Fair Credit Reporting Act as they are using my old information to calculate my current credit scores. This is a violation under the FCRA and I encourage this to be investigated further as this reporting agency has been doing this to me for 3 months no matter how many payments I made on time while using a small percent of credit usage.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Over 2 years ago, Chase closed my account after I received a XXXX ( Not a loan ) for my XXXX XXXX XXXX XXXX in XXXX XXXX. After this, Chase asked for proof that I owned the business and that the XXXX money should have been sent to me. I provided this information via email to the Chase Executive team. Chased claimed that they are going to " send the money back to the government '' To this date, Chase has not done so. We are in XX/XX/2023. Chase has kept this money for over 2 years. I hired an asset forfeiture attorney to reach out to the government agencies that seize money. I have received letters back from the secret service that they never received any money from Chase and that there are no criminal cases against me. I, through another attorney received notice that Chase still has the money. I assume they are earning interest on this money. The government went through an extensive confirmation process before they gave my company this XXXX. Chase is and was trying to get the Secret service or FBI to make a case against me, so they could seize my money. They have not done so, because there is no crime committed. Chase has done this exact action to multiple XXXX recipients. The CFPB needs to start an investigation of all moneys unlawfully held by Chase. They need to look into all of the accounts that Chase has closed, without cause, but more importantly, why Chase is unjustly enriching themselves with money that was supposed to be used to make small independent business owners recover from the Covid pandemic. My business is a sole XXXX. The CFPB went after XXXX XXXX XXXX, for similar activity. Why is the CFPB allowing Chase to hold onto money, unlawfully for 2 years. Attached is the statement from the secret service that they do not and have not ever had money related to me. Also.. Do not let them lie and state that they never received the documentation, regarding the XXXX, because they did. They even confirmed receipt, via email. I attached that too as well as the approval email and application. But regardless, this is irrelevant as it has been 2 years. This is theft!
Consumer complaint received 2019-10-23
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)

To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 update them immediately in 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 XXXXXXXX