davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose. 



I would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.

ECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.
Consumer complaint received 2024-08-12
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)

As per the Illinois Collection Agency Act, all collection agencies conducting business in Illinois must hold a valid license to operate in the state. I sent proof to Equifax that XXXX XXXX does not have the proper license to collect in the state of illinois, and should remove this from my credit. 

I asked Equifax to respectfully remove creditone llc from my credit report until the collection agency 's licensing status are verified. I also asked for documentation to support the validation of this debt and the authorization of the collection agency to operate in Illinois. Equifax has failed to provide me this information, as well as removing XXXX XXXX from my credit report.
Consumer complaint received 2023-05-24
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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.
Consumer complaint received 2024-08-12
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)

My account with 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 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. 


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 2024-08-12
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. (CA)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2023-05-24
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. (NV)

XX/XX/XXXX my loan was transferred to new lender XXXXXXXX XXXX XXXX ( XXXX ). XX/XX/XXXX I spoke to a XXXX rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, XXXX started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote XXXX requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, XXXX denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write XXXX XXXX XXXXXXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, XXXX presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, XXXX response to the recorded call that occurred XX/XX/XXXX wasnt a approval. 

XXXX is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated
Consumer complaint received 2024-08-12
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-12
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (FL)

On XX/XX/23 I opened an Axos Bank account due to a promotion saying I can receive {$100.00} from the bank by fulfilling specific requirements, including a direct deposit. After fulfilling these requirements and waiting for several months, I reached out to the bank only to find out that they are not honoring their advertised promotion because they failed to properly apply the bonus 'code ' to my account. I am filing a complaint because whether or not the promotional code was applied correctly, I fulfilled the requirements for the bonus as spelled out in the terms and conditions, and I would not have opened the account or fulfilled those specific conditions had it not been for the promotion.
Consumer complaint received 2023-05-24
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. (OH)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXXXXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 my mobile phone was stolen. The thief was able to access my bank and credit accounts at JP Morgan Chase Bank and made fraudulent transactions. The credit card issues have already been resolved. However, the fraudulent transactions the thief made involving my bank accounts at JP Morgan Chase Bank have yet to be resolved. 

Using the stolen telephone, the thief or thieves were able to access my savings account and checking account. They transferred my money in saving to checking and then made a {$2000.00} XXXX transaction, made a {$3800.00} purchase at an XXXX XXXX and bougth XXXX currency through XXXX in the amount of {$2200.00}. I filed a police report with XXXX XXXX XXXX Police Department and filed a claim with the banking institution advising them that these transactions were not authorized and were fraud. 

The bank has failed to reimburse me for the transactions and instead has essentially accused me of making a fraudulent claim and filing a false police report.
Consumer complaint received 2023-05-24
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. (FL)

I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report.

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency.

I demand that you take the following actions within 4 busi
ness days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act.

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation.

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require.

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANK (GA)

Apparently someone got ahold of my information and used it to charge $ XXXX from my bank account to purchase cryptocurrency through XXXX. I notified my bank ( Cadence Bank ) about this the minute I saw it online. The transactions were still pending. They made my checking account a credit only account and opened me up a new account. They investigated and closed the investigation saying there would be no further action taken. They never would get me my money back. Im at a loss. The fraudulent transactions were taken place on XX/XX/XXXX. The bank called me a few days ago after I sent a complaint letter to them that they would keep it on file but no further action would be taken. They also refuse to let me have online banking again. Please help!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXXXXXX XXXX XXXX XXXX sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXXXXXX XXXX XXXX I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX. I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Consumer complaint received 2024-08-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balanced {$1.00} XXXX XXXX XXXX Balanced {$840.00} - XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-12
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)

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX ( XXXX XXXX XXXX ) '' XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKS ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX " XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX  '' XXXX XX/XX/XXXX " XXXX XXXX BANK '' XXXX XXXX XXXX, XXXX " XXXX  XXXX BANK XXXX XXXX' XXXX XX/XX/XXXX " XXXX  XXXX BANK '' XXXX XX/XX/XXXX " XXXX  XXXX BANK '' XXXX XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX " XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XX/XX/XXXX " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Consumer complaint received 2023-05-24
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. (CA)

I have disputed multiple times a collections account that does not belong to me and i have no knowledge of and is on my report and that continues to be reported by transunion credit bureau, i have called them multiple times and submitted diputes that result as information being accurate but they do not mail me proof of how they came to their result, i have continuously asked and no response and they are hindering my credit with this false information The collections amount is XXXX