davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (OK)

I XXXX XXXX was affected by the XXXX XXXX just like millions of other American consumers. However, I was never past 30-days late with Chrysler Capital XXXX and my payment shows 30-days late XX/XX/XXXX. Accordingly, I believe that Chrysler Capital should review my account completely, and give me the benefit of a doubt if I was entitled to any relief due to XXXX. Therefore, the 30-day late payment for XX/XX/XXXX should be removed permanently. I did pay my loan in full in XX/XX/XXXX.
Consumer complaint received 2023-08-25
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. (GA)

I reviewed my consumer Reports and noticed I had 16 late payments on an account that I was never late for Consumer Reporting agencies have assured a vital role and have responsibility to report consumer information to their best ability with maximum accuracy I have never been late on payments for the account XXXX XXXX XXXX Account Number ( XXXX ). Please investigate and provide proof with statements showing these payment were late. If proof can't be provided I demand these payments be updated to be on time or NEVER late. Thanks
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX : XXXX Account 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The Account XXXX is reporting INACCURATE information across the 3 major Credit Bureas I have asked the orginal Creditor for proof to verify the account as accurate please see attatchment for proof of Innacurate reporting Please remove account I have no knowledge of this Account.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (OH)

Never received a bill, asked for the break down of the bill showing whats due and why. They just keep sending me an amount. Ive asked and disputed several times and still havent received the documents. I explained it was my ex wifes responsibility and I needed the break down bill to show my attorney for the divorce.
Consumer complaint received 2024-06-07
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. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I financed brakes in XXXX of XXXX with comenity bank through a company named XXXX XXXX XXXX I was promised a one year of free interest rate in which my balance statement wasnt mailed to me two months later. I wasnt able to pay off my balance before the due date. I was charged interest rate for that year plus more interest rates on the new balance of my account. I finally paid off my balance XX/XX/XXXX, but they continue to charge me interest rate on a XXXX account. I called Comenity bank to try to get some help, instead they say the bank lended me the money and it automatically generates interest rates.
Consumer complaint received 2023-09-15
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-08-02
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: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX 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
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (PA)

I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters. 

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three.

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected. 

I appreciate your prompt attention to this matter and look forward to a resolution. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : 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 XXXXXXXX There should only be one address listed on my report, which Is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

Respectfully, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I deposited a property damage check from a car accident where I was rear ended into my account on Wednesday XX/XX/year> between XXXX - XXXX a few days before my car was ready to be picked up when the check didn't clear immediately I contacted the insurance company who assured me the check cleared and was approved on their end Friday XX/XX/year> at XXXX XXXX. I contacted Citizens Bank notifying them of what I was told by the insurance company they began to tell me they put an extended hold on the check which left me very confused since I have been with Citizens for at least 10 years I have a pretty good track record I have never cashed a bad check! And the notice I received in the mail Monday XX/XX/year> say the reason they decided to delay my funds is because " deposit is not consistent with prior account activity ". It is an insurance pay out!!! This is frustrating and what gives them the right to hold my money!!! I need to pick up my car and the insurance will stop paying for my rental because to them they have given me the money thus is unfair. I am a normal person who works a XXXX to XXXX and trying to survive I don't have extra money to kick out. How is this right? This is why people don't like putting their money in banks. Also this has lead to start looking for a new bank I don't want to go through this in the future.
Consumer complaint received 2023-08-25
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. (AL)

I mailed a dispute to all three credit reporting agencies in regards to an account on my credit report from XXXX XXXX XXXX for inaccurate reporting. This account is reporting a different payment history with each reporting agency. XXXX and Equifax verified the account as accurate, but I have reason to believe that the account was not thoroughly investigated which is my right under the FCRA. 
XXXX XXXX XXXX - Account number : XXXX Remove this account from my credit report because you are continuously reporting charged off status in the payment history all the way until XXXX XXXX when this account has been charged off since XX/XX/2022. You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report. 
In addition to the above mentioned dispute, this account is reporting as if I had a loan with this company since XX/XX/XXXX, which is untrue. XXXX XXXX is the day that I opened a checking account with this credit union.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XX/XX/2023, XXXX in response lowered my credit score XXXX points. In addition a XXXX suggestion of paying down my XXXX XXXX XXXX  account. After doing so they lowered my credit score an additional XXXX points. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!
Consumer complaint received 2023-11-09
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I disputed an account that was not mine that was appearing on my credit report From XXXX XXXX XXXX. This was not a derogatory account but was listed on my credit report as a debt of $ XXXX. XXXX removed the entry on XX/XX/2023, XXXX in response lowered my credit score XXXX points. In addition a XXXX suggestion of paying down my XXXX XXXX XXXX account. After doing so they lowered my credit score an additional XXXX points. XXXX stated that filing disputes when there is inaccurate information will lower your score. Clearly a violation the FCRA!
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (HI)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-06
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. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

YOUR COMPLAINT On XX/XX/XXXX, I received an email from Capital One stating that the fraudulent activities I reported in XXXX from XXXX XXXX ( app off XXXX ) CLAIM # XXXX for my checking ending in XXXX was reviewed and the outcome resulted in some of those transactions being labeled as fraudulent and the rest labeled as valid transactions ( listed after this paragraph ). All of these transactions are unauthorized and reported as fraud. I was not aware my information was hacked and being used over and over again. That is why I filed the disputes. I don't understand how some of the claim was denied when all of it was done by the same person and location. It is clear by the investigation that the person who had my information and sent themselves money via XXXX XXXX did so numerous times and from the same IP address. Again, how can Capital One approve part of the claim that was done by this person and then turn around and label the rest of the unauthorized transactions as valid. This is unacceptable. I am not going to be responsible for unauthorized transactions. Also, now I am being contacted about this account since Capital One has decided to close my checking account and charge it off. This will affect my credit score. This is not right that a consumer is responsible for paying for fraudulent activity. I want this to be escalated and handled appropriately. I do not want to allow these hackers to steal my information and get away with it!
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received four AMEX gift cards. When I checked the balance of these AMEX gift cards at https : //balance.amexgiftcard.com/ # /, they were all active and had an available balance of {$490.00} prior to attempting to use the gift cards at XXXX. I attempted to use the gift cards on XXXX on XX/XX/XXXX & XXXX, and the transaction was declined for all 4 gift cards. I have tried using these gift cards at other stores and for other amounts less than the full balance such as for a {$1.00} donation on XX/XX/XXXX, but my transactions always get declined. When I contacted AMEX about this, they said that these gift cards can't be used at these merchants! I have not been able to identify any merchants who will accept these AMEX gift cards. Many people have reported having this problem starting this past year.