davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit 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: SANTANDER HOLDINGS USA, INC. (PA)

I noticed XXXX charges on my debit/credit card that was not made by me. I live in XXXX and noticed that XXXX charges, made on consecutive days ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) and for the same amount ( {$34.00} ), had been made at a fast food restaurant. I immediately notified my bank ( Santander ) and my card was closed with a replacement to be sent in the mail. Santander initially, and rightfully, reimbursed the fraudulent amounts. 
I then received XXXX letters today ( XX/XX/2024 ) stating that an investigation had taken place and it was found by Santander that I was now liable for the charges as they had evidence that I had authorized them. I immediately called them and after being bounced around a couple of people I finally was able to get an explanation. The representative I spoke with stated that the vendor had given them evidence that someone had given them authorization to make the purchases- Santander assumed it was me. I explained that these purchases had been made in the state of XXXX XXXX  ( as shown on my account ) and that I live in XXXX  and had no connection to these charges. Santander said the investigation was closed and there was nothing they could do about it but if I could provide evidence that it wasnt me then they may reopen the file. I explained that it would be difficult to prove it wasnt me as all I had to give was that I live in another state and have no idea exactly where in the state of XXXX XXXX these purchases were made. I was met with the statement that there was nothing they could do. 

Bank reference numbers : XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

I settled an account with XXXX XXXX. Paid {$3800.00} as a settlement to zero out my account based on my agreement with XXXX XXXX. Originally I owed the {$6400.00}. 
After I paid the settlement and XXXX XXXX reported the changes to credit bureaus I went to check Experian to see if the changes were maid. 
Under 'Status ' Experian still shows : StatusPaid in settlement. {$6400.00} written off. 
Written off amount is WRONG! I paid {$3800.00}. Written off amount must be {$2500.00}. 
I filed a dispute on their website and they closed it without adjusting written off amount. 

{$6400.00} was last final balance before the settlement {$3800.00} paid in full as a lump sum then the account balance was XXXX ' after I fulfilled the agreement That leaves XXXXwritten off ' balance of XXXX not {$6400.00}! 

I look at it as fraud on credit bureau site - since showing higher 'written off " balance tanks credit score!! Then they bombard you with non-stop emails asking to apply for new cards or whatever else available to raise your score. Reporting the proper writeen off balance will increase the score on it's own!! 
On XXXX XXXX- if they don't report settlement amount to credit bureaus and credit bureaus show last highest unpaid balance that's what XXXX writes off as bad debt on their end, otherwise, they MUST reflect settlement payment and change written off balance! That's a tax fraud!!
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My name and only name is XXXX XXXX XXXX XXXX XXXX is my only address I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The Bank of America inquiry placed on my XXXX credit report needs to be removed. I fit not want my credit to be ran in the first placed and I was not aware of what was going on. Nor did I get approved for anything. This inquiry is from XX/XX/2023. Please help remove this off my credit report asap.
Consumer complaint received 2023-09-04
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. (NJ)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

INACCURATE PAYMENT REPORTING INFORMATION GIVEN TO CREDIT REPORTING AGENCIES. AS LISTED IN DOCUMENTS. EXPERIAN AND XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 UC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681s-2 ( A ) ( 1 ) SECTION STATES : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO ANY CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS INACCURATE
Consumer complaint received 2024-06-18
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My mortgage was transferred from XXXX to Nationstar on XX/XX/2015.  XXXX informed me of this via a letter sent on XX/XX/XXXX.  As my next mortgage payment due date approached (XX/XX/XXXX) I received no correspondence from the new mortgage company....not a welcoming letter, statement, or a bill with which to pay the mortgage.  I desperation, I tried to call them, but all you can contact are automated menus, not a person to help with a personal problem.  I went to their web site, and again in desperation followed the instructions for making an online payment.  It worked!  But what it didn't make clear is that I had set up an automated account that would automatically pay my next mortgage payment.  So when the next payment was due (XX/XX/XXXX) I made another payment, not realizing that in actuality I was making XXXX payments.  It cleaned out my checking account and checks for XXXX other bills that I wrote bounced giving me fees of $XXXX.  I have had an extremely difficult time contacting them to resolve this issue.  I was only able to speak to a live representative by calling the number they advertise for refinancing mortgages, not their customer service number.  Anyway, I believe the unprofessional way in which they handled the transfer of my mortgage has led to this financial mess for me
Consumer complaint received 2023-04-12
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)

Unknown inquiry was made as detailed below. In addition, my children and I received phone calls from unknown numbers/scammers trying to get my personal information. 

XXXX XXXX  XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 
Source : Experian Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (FL)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Name of collection agency : LMMINC There address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX After recently obtaining a copy of my credit report I became aware that you are reporting a debt to my credit report. Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below : LMMINCXXXX Please provide the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you. 

Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 
I never gave permission to your company to release my medical information to Transunion Please send the above requested information to my mailing address listed above. This letter is a request for debt validation and I request full documentation containing all information you received from the service provider of this alleged debt. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
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 have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-18
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. (CA)

I am filing this complaint with the CFPB to request that Experian, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA XXXX ( XXXX U.S.C. XXXX ). 

Specifically, I want the following fraudulent accounts removed from my report : XXXX. A personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$710.00}. 
XXXX. A banking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 
XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$770.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer credit report from Experian that includes these fraudulent items. 

I do not recognize any of these accounts or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-06-18
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. (GA)

I hope this letter finds you well. I am writing to dispute a credit inquiry conducted on XX/XX/2024, related to an automotive transaction at your dealership. 

During my recent visit to XXXX XXXX XXXX XXXX XXXX did not authorize a credit inquiry beyond the terms of my prequalification offer. However, an inquiry was conducted without my explicit consent. 

To address this issue, I kindly request the following actions : XXXX of XXXX : Please provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. 

Removal of XXXX XXXX : If it is determined that the inquiry was unauthorized, I request the immediate removal of this inquiry from my credit report. 

Preventative Measures : Implement measures to ensure that all credit inquiries are conducted only with explicit customer consent in the future. 

I appreciate your prompt attention to this matter and request a resolution at your earliest convenience. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
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. (WI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
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. (NY)

I am writing to dispute a late payment on my credit report. After a thorough review, I believe there are inaccuracies that need to be addressed. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been diligent in meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 
XXXX XXXX XXXX.
Consumer complaint received 2024-06-19
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. (SC)

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressingXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX I XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX A XXXX Balance : {$430.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-03-13
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. (TX)

Im sick of this and it shouldnt be so hard but you give me the freaking blues about accounts i didnt open. These accounts do not belong to me. 
Also, you can not report income on my credit. When you charged this account off youdid it as income. the irs defines a charge off as ordinary income or 1099C in which I did not receive. This is no longer a debt. income does not get reported on a consumer report and canceled debt. 

A chargeoff is gross and ordinary income, it is a canceled debt. under fairness and accuracy of reporting, a chargeoff is not supposed to be on my credit report 1681eb. 

the agencies dont even have account numbers : XXXX  XXXX {$400.00} XXXX XXXX {$750.00} XXXX  XXXX XXXX  {$0.00} XXXX XXXX {$7500.00}