davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

I opened a XXXX Checking account with Santander on XX/XX/XXXX. I began direct deposit from my employer into this account on XX/XX/XXXX. My XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX paychecks were direct deposited into this account. The only other transactions with this account were withdrawals to my XXXX account where all my investments are held. Sometime in early XXXX I realized I could not log into my account. After a couple of days of attempting, I called Santander and they stated my account was frozen and the only way to get it opened back up was to stop in branch. I escalated the call to a XXXX since I am XXXX hours away from the closest branch. They stood firm that the only way to open my account or get my money is to go to a branch and show them my ID to verify and it would be cleared up. While on a quick trip to Massachusetts on XX/XX/XXXX I stopped into a branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told there that they can not re-open the account and gave me a phone number to their fraud department. I was told to just call the number and tell them I had stopped with my ID and they would re-open it. I left the branch and called the fraud number. They told me I need to go back into a branch and have them call with my ID to verify and open the account. I returned to the same branch in the morning XX/XX/XXXX and the teller called the fraud department. Since she was only a teller they would not let me authenticate her. The banker in the branch refused to see me and call because she was booked for the entire day. I asked to withdraw my money as I have no idea when I will be near a branch again and they would not allow the withdrawal. I have made all the accommodations asked and Santander is being unreasonable. I'm willing to securely send any required documentation via email to verify my identity.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MA)

The report is simply inaccurate, Its been sold and held and moved around and updated so many times. 

I opened a XXXX XXXX XXXX XXXX Account Due to Pandemic Disaster I lost My Job, Got My car Repossessed and fell behind on insurance payments and this collection I paid the balance have disputed many times that I was impacted by the Pandemic. I was always met with " We have to report accurate information '' If the info is so accurate why is my collection constantly still updated a year after its close. I thought it was accurate the other times I disputed. It was last updated XXXX  5 days ago My XXXX, XXXX and XXXX Statements of this collection all differ, XXXX doesn't even report it Some say XXXX XXXX some say CCS Collections, Different dates, Payment history, different contact info, not even sure who owns this debt anymore Multiple times XXXX XXXX  representatives have said they would remove this from my credit report THE ORIGINAL CREDITOR How can I have XXXX XXXX XXXX and XXXX but XXXX XX/XX/XXXX and get a collection for XX/XX/XXXX Will attach Video for proof Every derogatory thing I received during the pandemic has been resolved, If XXXX XXXX XXXX remove a car repossession and understand pandemic conditions surely the insurance that was insuring the car can aswell. 

I was XXXX I am now XXXX, And this is now my only collection and was received under disaster circumstances CCS I paid you money I owed from when I was XXXX in a pandemic that killed over XXXXXXXX XXXX Can we be done now
Consumer complaint received 2024-07-24
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX **** Balanced : {$0.00}
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (PR)

Freedom has long known that certain creditors have policies against negotiating with debt-settlement companies such as Freedom.

18. For example, in late 2011, XXXX XXXX XXXX XXXX XXXX, a local XXXX XXXX XXXX XXXX, aired a story about two Freedom customers who complained about Freedoms inability to settle debts they owed to XXXX XXXX  confirmed to XXXX XXXX that it does not work with debt-settlement companies. So as early as 2011, Freedom had notice and knew or should have known that XXXX would not negotiate as a matter of corporate policy. 
19. Freedom has actively sought to reverse creditors policies against negotiating with debt-settlement companies. For years, it has maintained a team I was charged a total of {$6500.00} to date to settle XXXX worth of debt. Freedom debt relief is still negotiating with XXXX knowingly not able to settle the debt. They claimed that they paid XXXX 3 times because of a one time failed payment. They lied about the time frame of the settled debt. They mislead me by not informing me of the fees and time frame in which the debt will be resolved.

Freedom did not disclose to consumers before they enrolled in its program that they might be required to negotiate with creditors on their own, including by deceiving their creditors, in order to settle their debts. Freedom also did not disclose to consumers before they enrolled in its program that Freedom charged consumers its fee, usually in the thousands of dollars per enrolled debt, even when consumers themselvesnot Freedomnegotiated the debt settlements.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

I have filed XXXX account/bill pay disputes with TDBank and they have all been denied. I am reaching out to you to enter into this claim. 
On XX/XX/22 I noticed XXXX checks that were debited my checking account. Both were addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. XXXX check was for {$9600.00} and the other was for {$9400.00}. I immediately contacted TDBank in XXXX XXXX to notify them of the theft. My daughter, XXXX XXXX, who is a signatory to my accountant I went to the branch personally file a claim. It was during this visit TDBank XXXX my account for the loss of {$9600.00} that day.They put the {$9400.00} amount into dispute. We asked why the other amount was not placed back into the account and was told that the {$9600.00} was a courtesy, this was stated to us by the bank XXXX XXXX. 
We received a denial letter on XX/XX/XXXX. We again went to the branch ask why it was denied and they said that would refile the claim. On XX/XX/XXXX were received another denial letter. We have now been told that a XXXX claim was also denied, verbally. We believe that these XXXX claims should have been treated as XXXX claim due to the same fraud perpetrated by the same person. I am also of the belief that the bank is trying to discriminate against me because of my age of XXXX years. I have been truthful and forthright in all of my dealings with them and hope that your commission can get my {$9400.00} back.
Consumer complaint received 2024-04-27
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. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-27
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 2024-06-18
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. (OH)

In accordance with the fair credit reporting act XXXXXXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681 section 604 A Section 2. If also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am experiencing severe anxiety due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XX/XX/XXXX using Experian, I disputed to remove mailing addresses I never lived, old addresses and inaccurate credit info. I called on XX/XX/XXXX after receiving a letter that after investigating the information was verified accurate, I asked for a copy of the verification but never received one. The customer service rep said they are unable to remove any mailing address because it may connected to an account.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-27
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. (GA)

XXXX, Experian, & XXXX stated that several inquiries were verified as accurate. I would like the documents or person they spoke with to verify this information. Failure to provide this evidence take this as legal notice I will be suing each consumer agency based on their own admission that their services are not authorized but paid to report personal transaction history of consumers. 

These inquiries are causing me damages. 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 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 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 XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. XXXX and Equifax Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$3700.00}.
Consumer complaint received 2024-04-27
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. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible
Consumer complaint received 2024-04-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ CAPITAL XXXX ] replied that the alleged transaction you furnished as late was { XXXX verified } but my previous dispute did not ask you for accuracy or validation. 
I the year and months of { XXXX, XXXX, XXXX and XXXX, XXXX, XXXX } you furnished to { Experian, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
15 U.S. Code 1666b - Timing of payments ( 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. Please provide the certified mail tracking for these letters It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX ] Your Name _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2024-04-27
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. (OH)

I've been a victim of identity theft and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Consumer complaint received 2023-11-07
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

On XXXX  XX/XX/2017 I received a letter from a company called National Credit Systems. They are stating that I owe {$2000.00} for a previous apartment I lived in XX/XX/XXXX, XXXX XXXX Apartments. The letter states that they have reported to all credit reporting agencies damaging my credit for these false charges. The statement does not include what these charges are for. I contact them on XX/XX/2017 and speak to a very rude representative who tell me that that these charges are for a month to month fee. This can not be accurate. I lived in the apartments until XX/XX/2017. My lease was over the end of XX/XX/2017. I provided a 60 day notice. Notice was turned in XX/XX/2017. I moved out of XXXX XXXX and did not ask for my security deposit back which they decided to keep. I provided a forwarding address and over a year later I get this bogus letter from this company. The rep with the collection company states that these charges are for XX/XX/2017. I was not there and I would not owe over {$1000.00} for anything. My last rent check was made on XX/XX/XXXX prior to my lease ending the end of XX/XX/XXXX. They rep also stated that she would provide me copies of this information and I could also look at the charges broken out online which was also false. I could not see any break down of what was owed or why. I want to know what is going on and why these is on my credit. It needs to be removed. I contacted XXXX XXXX Apartments and they stated that the do not show any of this information as they are no longer with the management company who managed during that time. I then called the management company, XXXX XXXX XXXX who managed during that time, and when speaking to them they were not sure what these charges were for. I believe this company is using false information to guilt people into paying balances that are not truly theirs. I will take legal action if necessary until theses charges are taken off of my credit report. I need proof of this so-called debt.
Consumer complaint received 2024-04-27
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. (AZ)

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries. The transactions in question do not reflect my creditworthiness and may not be legally reportable.