davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: SANTANDER HOLDINGS USA, INC. (TX)

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion SANTANDER - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( United states v. Santander Consumer USA inc ), Santander Consumer USA was involved in a class action lawsuit due to alleged violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused Santander of breaching its own contracts by imposing improper fees. 

The allegations against Santander revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the TCPA and the FDCPA.

Moreover, Santander 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress. 

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of SANTANDER - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given Santander 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of SANTANDER - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , XXXX, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (PR)

Experian ones again violated my rights by not providing documentation to support the negative information in my consumer report. Those negative transactions are affecting my credit and are affecting the well-being of my family. The dispute was sent on XX/XX/XXXX and the result only took 20 days.It is impossible to do a serious investigation in so few days.. Below copy of the result of the investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/XXXX, approximately at XXXX a number of transactions occurred in my CashApp account which all of the money in that CashApp account was stolen out of the account and then additional money, via CashApp, out of my XXXX account. 

A total of {$8900.00} was taken. There were seven transactions that appeared as if I was paying persons or refunding those persons money. The transactions are as follows : {$1000.00} XXXX XXXX {$760.00} XXXX XXXX {$980.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX XXXX I filed a police report with the XXXX XXXX Maryland Police Department. Police Report # XXXX. However, XXXX has closed my case since they claim to not have enough information. Also, CashApp has issued a temporary refund, however they have will not give me access to the account to withdraw the funds. I have made several attempts to contact CashApp, however they keep responding with emails that do not address my problem. 

I fear that CashApp has permanently closed my account and will never refund my money. Meanwhile, XXXX allowed unauthorized withdrawals.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2024-04-11
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO ATTEMPT TO COLLECT DEBT THAT HAS BEEN CHARGED OFF. PORTFOLIO RECOVERY ASSOCIATES ADMITS TO BREAKING FEDERAL AND STATE TAX REGARDING CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT '' ... PRA purchased the XXXXXXXX XXXX XXXX XXXX  XXXX ), XXXX. XXXX XXXX XXXX ) XXXX credit card account ending in XXXX from XXXX XXXXXXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$330.00} was due on the account at the time of PRAs purchase.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OK)

XX/XX/XXXX, my credit limit was {$7500.00} in which payment to account was paid on time and regularly paying off balance monthly. 
XXXX XXXX and XX/XX/XXXX, credit limit and cash advance limit was {$7500.00} same routine on payments consisted with no change along with same associated credit cards with Synchrony with no changes. Approximately on and around XX/XX/XXXX I requested increase since my payment history and Citi bank representative stated it appears you would qualify due to it being over 6 months and you are in great standing. I proceeded and awaited response. At end of XX/XX/XXXX, I noticed I submitted verbally a dispute regarding a service paid for totaling near and around {$1400.00} but called back next morning since it was XXXX and they stated they couldnt close the dispute since the office wouldnt be open until Monday. I told them to ensure this was a valid charge and I thought it was a different credit card. The customer representative stated it wouldnt be a problem we have noted it and closed it and the charge is and will appear on your charges. He stated to just call back Monday to verify it is complete. That said, I called back and they said it wasnt closed but will do so. After these incidences I received notification that my credit limit I requested to be increased was decreased to {$3800.00} when it occurred I paid extra to ensure I didnt exceed utilization rate and then I contacted Citi customer support and the representative stated this is definitely not good because you are and were in great status and I will submit an appeal for you. I submitted the appeal and waited for reply. The response from Citi was contradictory first statement stated I had derogatory delinquent payments and late payments when in fact it was false. So I reached out again to customer support to ensure this was corrected and the second response was Citi will not change the limit and its not due to your credit report. Understandably realizing I did not intentionally file a dispute but the Citi group proceeded as I did when it was not warranted. I continually paid and reached out and then the Citi bank access to previous notices related to this credit card ( which was replaced ), which identified false information and dispute information was applied to my credit file which caused not once but three times from XXXX up until XXXX the credit limit to reduce from {$7500.00}, {$3800.00}, {$2500.00} then now {$2000.00}. Incidentally unjustifiably reporting my utilization rate higher than actual and real credit limit to be proved incorrect due to delay of actual credit limit behind by 30 days from date providing to credit reporting bureaus.
Consumer complaint received 2024-04-11
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. (PA)

I have a discharge of my XXXX loans attached to the complaint showing the XXXX  loans have been discharged over 3 months ago and still XXXX, XXXX, and Experian never removed the XXXX  loans from my reports.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

During XXXX XXXX  I bought a XXXX XXXX Financing was done through XXXX XXXX. However, the offer provided required direct debit for monthly payments. Debits were to be done at my XXXX XXXX personal account. Therefore, since my XXXX XXXX XXXX account always had enough balance to make this car loan payments, nothing was required from my end for the loan to be paid on time. Nevertheless, since I did not find the corresponding debits of XXXX and XX/XX/ XXXX I called XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, who explained to me that the loan had not been originated. Hence, he suggested that I pay directly to the dealer until XXXX XXXX could completed the due process, and I did. Since there was no active loan, I gave him a two-month payment in favor of the XXXX XXXX XXXX 

I believe that since XXXXXXXX XXXX had the lowest car loan interest rate at that time, the XXXXXXXX XXXX official in charge of the transaction was too busy at the moment and had to delay the due process. In fact, my credit report shows a credit request from XXXXXXXX XXXX  during XX/XX/2019, which I authorized, and another during XX/XX/, which I did not authorized. Therefore, since the car loan paperwork was done during XXXX XXXX  first payment was due in XX/XX/. Therefore, no payment delays apply. Moreover, I gave a two-month payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, hence, there was no payment delayed. In addition, I was never notified by letter or e-mail by XXXX XXXX of the payments delayed, because there was none! There was no active loan. How can I be delayed in a loan that does not exist and has direct debit? It is absurd! It was a direct account debit payment and XXXXXXXX XXXX couldnt proceed accordingly because there was a delay in loan origination. How can I be responsible for XXXXXXXX XXXX  official due process delay? 

You can contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he will confirm these information.
Consumer complaint received 2024-04-11
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 am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-04-11
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. (MD)

Back in XXXX i was talking to XXXX  when the person had spoken too me i told. them that i am not aware of this account by XXXX account i also told them that's its a identity theft too this. account the lady told me in XX/XX/XXXX that she will be removing off my credit report report file in today on XXXX XXXX XXXX  day i had check up on my credit report and its still showing up on my credit report file i call them today and told them that the women that i had spoking with said that she will remove off my credit report file with in 14 days are 30 days most likely it will be off in 14 days i also told them that they are breaking the law because i have a book that congress said that when doing investigation they suppose too ask my neighbors are friends are my associates when doing investigation they not suppose ask the creditors at all.they violated my constitucional rights and also my civil rights as well. I was fighting with this account since XXXX when i found it on my credit report file.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

The past XX/XX/XXXX I was contacted via XXXXXXXX XXXX  from a person that is like family requesting a transfer of {$180.00} to be paid via XXXX XXXX to another person named XXXX XXXX to the number XXXX. After the transfer were made I reach out to the person to confirm that the transfer were made and in that moment I was informed that the XXXX was hacked and the real person was not the one requesting the transfer. 

I contacted Banco Popular on XX/XX/XXXX to explain the situation and raise a claim but they open the claim as a no authorized transaction and resolved the claim stating that the transfer was authorized because was made from my main phone number. Clearly this resolution do not fit to my claim. I called the back to reevaluate the claim but the answered with the same resolution. 

In the first call the person who take the claim informed me that was more transactions with the same amount received to the same number where I sent my transfer what confirms me that i was a victim of scam scheme.
Consumer complaint received 2024-04-11
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. (NV)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX late payment ) XXXX XXXX XXXXXXXX XXXX # XXXX ( charge off ) -- {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
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. (PR)

n accordance with the Fair Credit Reporting act XXXX  Account : XXXX Public Record Bankruptcy, 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
Consumer complaint received 2024-04-11
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)

I've got into an accident and my vehicle was deemed total lost. My insurance and gap paid off the loan, however the bank has reported it as late payments and isn't showing the loan is being paid off. Because of this my score is really low and it's affecting my credit. I will appreciate it if you guys could assist me with this situation. 
Thank you..
Consumer complaint received 2023-12-13
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. (PR)

n accordance with the Fair Credit Reporting act XXXX  Account : XXXX Public Record Bankruptcy, 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
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX ( Retailer ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX Bank ) XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-12-07
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. (PR)

Dear credit Bureau To whom it my concem This letter Isa formal complaint that you are reporting inaccurated and imcoplete credit imformation una distressed that you have include the imformation below my credit profile and that you failed to maintain reasonable procedudures in your operation assure mximum posible accuracy in the credit report you publish credit reporting laws ensure that Bureau report only 100 % accurate credit imformation every step must be taken to assure the imformation reported is completely accurate and correct the following imformation needs to be re investigated XXXX XXXX XXXX XXXX I respectfully request to be provide proof of this tem specifically the contract note or other intrument like my signature Failling that the tem must be deleted from the report as soon as possible the listed tem is entirely inaccurase and imcopleted and as such represents a very serios error in your reporting please deleted this misleading imformation and supply a corrected credit profile to all creditor who have received a copy within the last six months or two last year for employment purposes Additionally please provide the address and telephone number or each credit granter or other subscribir Under federal las you have thirthy ( 30 ) day to complete your re-investigation be advisef that the description of the procedure used to determine the accuracy and the completeness of the imformation is hereby requested as well to be provide within fifteen ( 15 ) day of the completion. of your re-investigation Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (VA)

XXXX XXXX XXXX has reported that this is in the court -court name XXXXXXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXX XXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name USBK court Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies