davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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: SANTANDER HOLDINGS USA, INC. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress and will continue to do so until it is resolved.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (AL)

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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX 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 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for XXXX  Adjustment - Account : CHRYSLER CAPITAL, Account Number : XXXX Dear CHRYSLER CAPITAL, I am writing to address the late payments reported on my most recent credit report for my CHRYSLER CAPITAL account, with the account number XXXX. I acknowledge the importance of timely payments and understand the challenges it presents to your operations. I want to bring to your attention the circumstances that led to the missed payment on my account. Unfortunately, I experienced severe illness and XXXX resulting in missed payments. These late payment remarks have adversely impacted my life, causing missed job opportunities and preventing me from closing on a home for my family, all exacerbated by the challenges posed by the XXXX pandemic. I sincerely apologize for any inconvenience caused and want to assure you that steps will be taken to prevent a recurrence. I recognize the responsibility for these late payments lies with me, and I deeply regret the situation. I value our business relationship and have committed to ensuring timely payments moving forward. Considering the challenges I faced, I kindly request your understanding and goodwill in removing the late payment remarks from my credit reports. This gesture will significantly contribute to rebuilding my credit score and maintaining a positive standing with your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-11
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. (PA)

XXXX, Transunion, XXXX, and XXXX XXXX XXXXXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX Acct # XXXX XXXX inaccurate data XXXX as XXXX no data '' but also has reported date of XX/XX/. How can the date be reported for this month yet be blank in the history? 

XXXX provides different company address than other reports. 

XXXX has inaccurate data for XXXX and different than other reports. 

TransUnion inaccurate data from XXXX present, no data and not reported at all. 

Company shows sold on XXXX butnot reflected by TransUnion or XXXX.? Different addresses for company.
Consumer complaint received 2024-01-11
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. (OK)

To whom it may concern, I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-01-11
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (ME)

I took a {$1000.00} transaction on square and when I tried to submit it for refund, they canceled it. Once they canceled it, they said it was stuck in a ledger and they cant get it released. This was two weeks ago. Ive had to pay this money out of pocket, Im starving now. I call every day, they laugh. They act like they cant understand me, they treat me like Ima customer and not someone that has been robbed of XXXX dollars and peace of mind.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

I am writing to file a formal complaint regarding a collection account labeled LVNV XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mothers assets were put in a Trust account in XXXX, with me as the successor trustee. All documentation was given to Bank of America. Mother passed on XX/XX/XXXX. When she passed, I check with the family attorney to see if I needed to do anything to the trust to move forward with my mothers wishes. I was informed that since I was the successor, I merely had to move forward with what she wanted me to do. 
On XXXX, I went on line to deposit funds into the trust account. Bank of America had placed a hold on the accounts. They said they did not have the trust documents. They needed the original to make sure nothing had changed. On XXXX, I brought them the document and told them to remove the hold. 
This is the third time I have had to give Bank of America the same documents since the trust was created in XXXX. 
I checked on Saturday morning XXXX XXXX XXXX and the hold was still in place. I called back, on Monday XXXX, told them the documents had been delivered and to remove the hold. They asked if I filled out the Certificate of Trust document. I said I was not given any such form. They told me to go back to the bank and fill it out. I went back to the bank, sat there for two hours, while they tried to figure out how to access the forms. 
Everything is signed and documented as the bank indicated. AS of today XX/XX/XXXX, the hold on the account is still in place. 
Something is wrong at Bank of America. The demand that I had to bring the document back in to make sure no changes has been made is ridiculous. I brought the same document back in again. 
The fact that they lost the document three times over the years is horrible. Each time this caused a great deal of frustration and certainly no confidence in the banks digital recording keeping. 
The worst is that preparation for this extreme time of loss was done in advance. To have such an obtuse process when emotions of loss are already high makes it even harder.
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXX XXXX # XXXX is reporting inaccurate information to my Equifax credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.
Consumer complaint received 2023-10-20
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear GENESIS CREDIT MANAGEMENT, I am writing to address the unauthorized reporting of information to my credit report, as prohibited under the Fair Credit Reporting Act ( FCRA ) and Florida identity theft fraud laws. 

It has unequivocally come to my attention that GENESIS CREDIT MANAGEMENT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law also emphasizes the protection of consumer rights in cases of identity theft and fraudulent activities. According to Florida Statutes Section 817.568, unauthorized use of personal identifying information is a severe violation. Furthermore, Florida Statutes Section 559.72 provides protections against unfair debt collection practices, which include the unauthorized reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for GENESIS CREDIT MANAGEMENT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that GENESIS CREDIT MANAGEMENT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 817.568 and 559.72 of the Florida Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Florida state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that GENESIS CREDIT MANAGEMENT will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AL)

Between dates of XX/XX/XXXX-XX/XX/XXXX my account was charged several times in overdraft fee by Chase system not upholding to the feature of Over Sraft Assist. In addition the poli y states no more than 4 fees will be charged at a time where at times I'm charged 5-6 times. In addition to the latest fees of being charged due to an error of a double hold of one check deposit. I received an email from Chase requesting that I needed to re deposit the check because the issuer of the first check did not sign. The check was re deposited but they never released the first hold. 

I have attached screenshots of everything I'm stating.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

On this date, XX/XX/year> a collection was opened by the following company, XXXX XXXX XXXX OPEN BALANCE {$7300.00} I have never signed any written document agreeing that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer.

I do not have any knowledge of who this company is and I have no written consent from my behalf.

In addition, they have not verified that I owe this debt to this company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2024-01-10
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. (CA)

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by 15 USC 6801. This section states the Congress 's policy, affirming the obligation of each financial institution to respect customer privacy and uphold the security and confidentiality of nonpublic personal information. The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution under this title. 

Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, particularly in accordance with the written instructions of the consumer to whom it pertains. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not possess my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

As per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include any adverse item of information in a consumer report without proper authorization, except for records of convictions of crimes that occurred more than seven years before the report. Reporting this account as an adverse item without my permission is a violation of the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates that every consumer reporting agency maintains reasonable procedures to prevent violations and restricts the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, as outlined in 12 CFR 1016.7, a consumer retains the right to opt out at any time. Accordingly, I am choosing to opt out of your reporting services.
Consumer complaint received 2024-05-22
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: U.S. BANCORP (TX)

XX/XX/scrub>XXXX XXXX card will not work. Website does not work. Called the number on the card. Customer service told me I need to fax them documents including my driver 's license and ss #. It's a gift card ; why do they want my driver 's license and ss #? Who has a fax? It's as though they do not want the card to work and they want to frustrate the customer into just going away.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I received the letter from your company dated XX/XX/2024. my previous complaint is not from a THIRD PARTY. Again I just want to reverse or remove the late payment history of my account BMW FINANCIAL SERVICES XXXX. I paid on time, and there an error in the payment system.