davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Dispute of Closed Auto Loan Account Reporting by Santander Consumer USA on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to dispute the manner in which Santander Consumer USA has reported a closed auto loan account on my XXXX credit report. The account, opened on XX/XX/XXXX, with a remaining balance of {$0.00}, is incorrectly reported and negatively impacts my credit. 

The specific issues with Santander Consumer USA 's reporting are : 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) ** : No validation information for the alleged debt has been provided, yet it remains listed on my credit report. 

2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : I have not been given an opportunity to dispute the account, a right under the Fair Debt Collection Practices Act ( FDCPA ). 

3. **Misleading and Deceptive Practices** : The agency 's reporting methods may violate consumer protection laws through misleading and deceptive practices. 

4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ** : The agency may have furnished information to consumer reporting agencies without providing required disclosures. 

Furthermore, per XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), the reporting of closed accounts, especially those with a XXXX balance, should be accurate and non-misleading. The continued listing of this account as a collection is inaccurate and unjustified. 

In response to these issues, I am : - Disputing any and all debts related to this closed account. 
- Revoking all communication rights of Santander Consumer USA through email, text messages, or phone calls. 
- Requesting debt validation. 
- Requesting a copy of the purchase agreement between Santander Consumer USA and any involved collection agency. 
- Requesting proof that Santander Consumer USA and any involved collection agency are licensed and bonded as required. 

Additionally, I demand : - The immediate deletion of this closed account from my XXXX credit report. 
- A consequent increase in my credit score by XXXX in response to the removal of this erroneous entry. 

I urge the CFPB to investigate this matter and ensure all reporting is compliant with consumer protection laws. The incorrect reporting of this closed account has unfairly affected my credit score and financial health. 

Enclosed are relevant documents supporting my dispute. I seek correction of this error on my credit report and assurance of compliance with all applicable laws and regulations by Santander Consumer USA and involved collection agencies. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I waas charged today again XXXX dollars. just to have 2 accounts with bank of america, where they take " keep the change transfer '' taking cents out of my account on every transaction just to pay the XXXX dollar fee associated with my checking account that also charges a fee, I got laid off, waiting to see if I get unemployment or not, and do not have the cash to close the " savings '' account at the moment and the bank wants to keep it open to charge fees. Please do not take more money. I only want one accountwith bank of america not two to charge double fees There is no money to save for someone who was laid off, bank of america and his debt collectors of a mortgage of someone else charge me all my cash from escrow to pay the " bank of america note '' that XXXX XXXX is charging my family for the mortgage of someone else, all our monies has been taken by bank of america " already '' about XXXX cash from all our accounts and they want to get the " keep the change transfer too '' lease keep the checking acccount open, has the XXXX to pay the minimum due of my credit card, do not close it because will lower my credit and that would be the last draw to ever think of buying a home in the next 7 years. Pleas please plasese just close the savings account that is it. I will borrow money to pay the XXXX dollar fee that you charged today but close it because it will continue to draw off my checkinig account to pay for the fees of bank of america
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

XX/XX/XXXX Received welcome email from chime XX/XX/XXXX Come closed that account after I went through their " this isn't me '' thing on their website, as prompted to do by their customer service rep if I recall correctly. I did call them and ask what information they had on me and how they obtained it and they did not reply to that verbal request over the phone and closed the account instead. 
XX/XX/XXXX Chime emails me a sweepstakes they are offering to new members XX/XX/XXXX Chime sends me and email stating my account is still waiting. 

Please help me. 

This is XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (WA)

I am buying a house and called on XX/XX/XXXX to verify that I would be able to wire transfer funds over the phone from my savings account for closing. I spoke with XXXX separate customer service reps ( XXXX from the wires department ) who verified that this wouldnt be an issue. We specifically discussed the time sensitive nature of the transaction and my inability to visit a branch since I live in WA state and they do not have any branches. 

Today, on XX/XX/XXXX they are refusing to guarantee the funds will go out before the end of the day even thought I contacted them before noon to arrange the transfer. I know for a fact they have all of the required documents and that there is a recording of the phone calls where I was told that the transfer wouldnt be an issue. 

I spoke with a manager before the wire cutoff and they refused to wire my money as requested even though there is still time. I feel I have exhausted all possible options for remedy with PNC.
Consumer complaint received 2024-01-06
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. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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: OneMain Finance Corporation (TN)

On XX/XX/24, I applied for an unsecured loan through the OneMain Financial website. After submitting my application, I was immediately notified by the credit monitoring services I use that my credit report had been pulled from multiple credit reporting agencies, without my permission. 
It was pulled from XXXXXXXX XXXX XXXXXXXX. 
When I attempted to contact the OMF local office in my area & also the customer service center at XXXX, no one was able to help regarding why there were multiple pulls of my credit report & no one was able to assist me in getting the additional inquiry removed. 
However, my local branch did tell me that for my loan application, XXXX was the official credit agency used, & there was no mention of XXXX or XXXX used for my application. 
I was fine with XXXX being used ; however, I did not authorize more than one bureau to be used, nor was I notified that there would be more than one inquiry performed on my application. 
I contacted XXXX & they told me I must request from XXXX they manually remove the credit inquiry from the report. 
I contacted XXXX via their XXXX XXXX email. 
XXXX of their reps called me & told me she would investigate. 
When she called me back today, XX/XX/24, she told me that yes, there had been XXXX separate inquiries performed for my application : XXXX on XX/XX/24 from XXXX & XXXX done on XX/XX/24 from XXXX. 
I asked her to remove the XXXX inquiry, as I had not been notified that One Main Financial would initiate an inquiry from more than one bureau. 
She refused to remove the inquiry & said " that's just what we do. '' Therefore, I am requesting that the OneMain inquiry is removed from XXXX, I did not authorize this inquiry, nor was I notified this inquiry would occur prior to initiating the application. 
My XXXX credit report score also decreased after this inquiry.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (FL)

I checked my credit report this evening and I'm still disheartened with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by JEFFERSON CAPITAL SYSTEMS . I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against JEFFERSON CAPITAL SYSTEMS for failing to comply with federal laws and disregarding consumer rights. 



Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
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. (AK)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-07
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-01-06
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (NE)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (GA)

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : My name is XXXX XXXX and my CHASE credit card number is XXXX XXXX XXXX XXXX. I want to request that you resolve this dispute with CHASE Card Member Services for a double charge by XXXX XXXX to my credit card. 
I have presented all the evidence to CHASE concerning the double charge and they resolved that there was no billing error, even with the double hotel electronic invoices presented as evidence. ( Please find CHASE resolution attached ). 

I paid the XXXX XXXX in XXXX, XXXX with my reward points and cash, ( please review as evidence : Invoice # XXXX, Evidence # XXXX and charge to my Chase of {$320.00} ). The hotel charged this in addition to the regular night rate XXXX XXXX dollars or XXXX Colombian pesos, ( please review as evidence : Invoice # XXXX, XXXX XXXX XXXX 's email and charge to my chase of {$2200.00} ). We did not agree to this and have been disputed this since. 

As evidence, I am enclosing : XXXX. The Hotel electronic invoices : a. Invoice # XXXX to which we agree XXXX Invoice # XXXX to which we DO NOT agree XXXX XXXX XXXX XXXX 's email XXXX. Evidence # XXXX : XXXX 's email stating the agreement we made on XX/XX/XXXX as to how we were going to pay for our stay ( reward points and cash ). 
XXXX. Proof of XXXX dollars charge to my CHASE credit card I agreed with XXXX. 
XXXX. Proof of XXXX dollars charge to my CHASE credit card for the same room, which we did not agree. 
XXXX. Chase resolution I would appreciate your help in interceding with CHASE card member services to withdraw the charge in the amount of {$2100.00} as I have been DOUBLE CHARGED. 
If more information is required, please contact me at : XXXX Kind regards, XXXX XXXX.
Consumer complaint received 2024-01-06
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 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX