davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

My account with SANTANDER 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 those account 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. 


SANTANDER 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 2023-04-17
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. (NC)

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

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 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On XXXX the last active date is XX/XX/XXXX. On XXXX the last active date is XX/XX/XXXX and Equifax the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus. XXXX is showing on time payment for XXXX and XX/XX/year> while Equifax is showing missed payments for those months. All my payments were made on time. As a result, I am demanding for my account to show/ be updated to " Pay On time ''. 

According to the Fair Credit Reporting Act, all information should be accurate and factual. 

My right was violated due to their negligence.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a XXXX  under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I have already disputed the initial letter that I received from this debt collector and already sent my obtained sources of legit source of documentations such as my FTC Identity Theft Report, Police Report with additional FBI Victim letter in the mail to their office. The XXXX loan bank knew this from the very beginning since I reported to them right away about this coercion loan induced by the fraudster for me to do under my name. ALL the loan funds were ended up to the fraudster 's wallet. XXXX police officers went to my place when I reported this incident and I submitted copies of all the evidences that I have since all the instructions from the fraudster were all in text messaging. Then, the FBI agent went to my local police station where I reported my unfortunate situation that I had been to in order for him to collect all the evidences in -- person that I I submitted to the XXXX police officers. Please STOP sending me repetitive letters to collect debt over and over, just to harass me. I have a lot of pain and sufferings already since last year that I had been scammed big-time due to both heavy fraud and identity theft. Please show me with some dignity and respect, at least.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently looked at my credit report and noticed some inaccuracies and incorrect information. 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. 

I sent a letter asking them to investigate the account listed below because ( XXXX XXXX account number XXXX ) late payment is reported inaccurately, this account says it was XXXX days late in XXXX which is incorrect it was paid on time never late as shown in the images. 
This account has been updated by XXXX to current and never late. I demand that XXXX also update this account to current and never late as required by law to reflect maximum accuracy.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

TRUIST has initiated a HSA Savings change to allow for your HSA to go into XXXX account for investing. 

They told me that I would not have a choice in this matter, and that XXXX would be charging a monthly fee as well. 

I did not want to invest my money and because XXXX can not take XXXX auto deposit I had to close my account and go with my XXXX credit union for a new HSA Savings account. 

I asked for my money to be transferred to my XXXX  HSA SAvings and was told by a TRUIST Banker to email it, which I did. Nothing, heard nothing. 

Then on XX/XX/XXXX  the money in my TRUIST account disappeared, no receipt, no email no help from brank office Banker! 
I contacted the Bank again via email and told them I was going to report the theft of my money to the police on XX/XX/. 
That afternoon a post was noticed that my funds were to be transferred to a new TRUSTIEE. TRUIST then charged me {$50.00} for ths transfer that their actions caused the need for it. 
As of this morning the HSA Savings at XXXX and at TRUIST both show XXXX! 

Please help me. I am a XXXX  citizen with a XXXX XXXX ( XXXX XXXX ) and I had XXXX last year. I need access to my funds and had to use my credit card for my last two pharmacy visits. 
XXXX is my cell.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (SC)

Our current mortgagee sold our loan but didn't allow the required 15 days notice of transfer to new mortgagee. We just received notification on XX/XX/23 the new servicer takes over on XX/XX/23.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-07-08
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. (CO)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account Number XXXX My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX XXXX Account XXXX My data was affected by the Equifax data breach , resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-08
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. (NV)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (OH)

Eagle loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed for debt consolidation with XXXX XXXX XXXX XXXX XXXX since I've went into debt related to job they've been contacted by my debt team and will not stop harassing phone calls to my employer after I and HR told them to cease communication with my employer by phone and emails sent to them
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies (AZ)

Subject : Dispute of Reporting Inaccuracy by Prestige Financial To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting by Prestige Financial that is adversely affecting my credit report. This account, associated with Prestige, was discharged in bankruptcy on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code, this account should not be reported after the discharge. 

Background In 2015, I filed for bankruptcy due to financial hardship. The account with Prestige Financial was included in my bankruptcy proceedings. Following the sale of the vehicle, Prestige Financial provided me a check for the remaining balance after the sale, thereby satisfying the debt in full. Consequently, this account should have been marked as closed and discharged. 

However, I have recently discovered that Prestige Financial fraudulently re-reported this account as active on my credit report without my consent or prior notification. This action violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under Section 609 ( a ) ( 1 ), I have the right to dispute inaccurate information. The failure to accurately report the status of this account is misleading and unlawful.

Bankruptcy Code : The reporting of debts that have been discharged in bankruptcy is prohibited. This negative reporting significantly impacts my creditworthiness and financial opportunities. 

Fair Debt Collection Practices Act ( FDCPA ) : If Prestige Financial was attempting to collect on this debt after the bankruptcy discharge, it constitutes a violation of my rights as a consumer.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NY)

On Saturday XX/XX/year> I made a mobile deposit with a check from the United States treasury. ( That is my daughters XXXX with both her name and my name, as well as both of our names on the checking account. ) I reached out to customer service to speak with a supervisor to ask some questions about the mobile deposit and was told I would have to wait 5 to 10 business days to get a call back from a supervisor. At XXXX Axos sent an email stating that the check was rejected. And now Im not able to cash it at the check cashing because in the back of the check I was told I had to write for mobile deposit only. So I was told by the check cashing place that I have to wait another 7 business days. Then Axos sends me a message on the Axos app at XXXX stating that the check was accepted, but I checked my account and there is absolutely nothing pending. And there has yet to be a supervisor to give me a call back to confirm or assist in the issue
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a continuation of a previous complaint. Transunion deleted an open, active credit card from my credit report, which negatively impacted my score. They told you they can not restore it to my account without verification from XXXX, the company that issued the credit card in question. XXXX sent the verification in XXXX, but they still refuse to correct their error. I forwarded all the information from XXXX to Transunion as soon as I received it. My credit report is still not correct.
Consumer complaint received 2024-10-01
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: Westlake Services, LLC (NJ)

Subject : Formal Dispute Regarding Unauthorized Credit Inquiry and Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized inquiry placed on my credit report by your company. Your company pulled my credit report on XX/XX/year>, and added a hard inquiry under XXXX, yet no credit was ever extended to me. This unauthorized action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violation : Under 15 U.S.C. 1681b ( f ), you are legally required to have a permissible purpose to access my credit report. Since no credit was ever extended to me, you did not have legal grounds to pull my credit report, and your inquiry was unauthorized. As a result, you have violated my rights under the FCRA, and I am entitled to {$1000.00} in statutory damages per violation under 15 U.S.C. 1681n.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Lead Bank - Self XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date XX/XX/2024 To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX