davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (NJ)

My vehicle was repossessed in XXXX of 2022. I payed the company in full to get my vehicle back. I am currently speaking with a representative who is stating that I have fees unpaid that are from the repossession. A repossession in which I was present for. One in which prevented me from getting to work one in which by law if the person is present there should be no contact or interaction with the towing company and the loan holder.
Consumer complaint received 2023-10-17
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Since last XX/XX/2023, I have tried to solve a problem with an account called XXXX, which unfortunately the experian company has repeatedly completely abused the information it must present as a credit agency. 

On repeated occasions I have requested that the information they are sharing in my credit report regarding this account is inaccurate, so I have demanded that this information be modified, and deleted from my credit report. but I have not had any satisfactory response from them. 

I have made this dispute more than 5 times demanding the same information, and the experian company only sends a report to before 30 days explaining that the information is verified and confirmed and as it can be shown in the attached documents this information is not accurate and corrected so I ask that some action already a little more severe be taken regarding this company. 

I have too many disputes trying to solve this problem with my account, demanding that the experian company please verify the disputed information and do not share information saying that the information was verified and authenticated when reviewing the attached documents you can see the inaccurate or incomplete information.
Consumer complaint received 2023-10-17
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. (FL)

In accordance with the fair credit reporting act account # XXXX, has violated my right. XXXX XXXX  XXXX. 15U.S.C. 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 15U.S.C. 1681 section 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have continuously and tirelessly tried to get my credit report from Equifax. According to the agent today XXXX  my address and phone number is correct on my file but upon trying to gain access to my report Equifax System still informs me that the information I enter into their system is incorrect which declines XXXX and XXXX or fico 3 bureau reports from being obtained and i have a subscription for XXXX  with XXXX. I spoke with a representative and was informed today the reason for my data not being updated is because i have not furnished my Driver Lic. and my social security card. So eventhough creditors are updating my information its not being updated. Not one time in my entire life had i had to send a bureau my personal credentials of a social security number or Drivers license to update my address on my report. Yet nothing is being updated but they are quick to update negative accounts but not the positive accounts. This seems sketchy and i have already been a victim of identity theft and this will not be another case of what i just went through. I have login credentials to Equifax, XXXX, and XXXX. This is insane, but if you asked an agent when was my fraud alert lifted, they would say this week. Make it make sense. Today, Equifax needs to update my report. I'm not understanding how i can login and make changes on my report but have to send in and ID and SS for updates to happen on my report. Make it make sense. I have uploaded the documents needed to prove i am me to cfpb but sending my social security number to a non governmental agency is not acceptable for me.
Consumer complaint received 2018-05-10
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: EQUIFAX, INC. (GA)

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and XXXX and needs to be removed.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company above reported me to XXXX for collection, which I don't have any account with them. however basis on the information from XXXX Original Creditor was XXXX XXXX XXXX. which I closed the account with them. The chat transcription with XXXX XXXX XXXX was the account closed and XXXX due or any amount. I have the transcription for dispute
Consumer complaint received 2023-04-22
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. (OR)

XXXX. Amount, XXXX This is not my account, it do not belong to me, I do not have contract with them, its inaccurate. I am not responsible for something that do not belong to me.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

i sent to the C.F.O. AND and the remittance department the coupon- bearer security endorsed with the tender of payment - instructions to transfer the positive value of the bearer security to the principal to set-off the account 3 times as per federal reserve act section 29 prescribed on XXXX XXXX XXXX  and they have not done the fiduciary duty they have. 

after that i sent it again for the 4th time on XX/XX/ and they have not transfer the positive value of the bearer security to the principal to set-off the account.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Based on online posting and Venmo 's Purchase Protection program guarantee, I made a purchase for US {$62.00} from a Venmo account associated with XXXX XXXX. The Venmo ID for the account is @ XXXX. However, the goods were not delivered. The contact number for the person is XXXX ( XXXX ) XXXX. The person initially communicated but ghosted after the amount was transferred and payment was confirmed. 

A dispute ticket was raised with Venmo.
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
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. 

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 2023-02-24
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. (MN)

On XX/XX/XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all at which time XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to XXXX.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (OH)

I purchased a home in XXXX XXXX for {$150000.00} with a loan amount of {$120000.00}. This made my original LTV 85 %. I am current on all payments and have never had a payment over 30 days past due. My principal balance fell below 78 % of the original purchase price in XX/XX/XXXX ( see attached statement from Flagstar Bank from XXXX showing principal balance of {$110000.00} which is 77.9 % of the original purchase price ). 

It has been over 12 months since my loan balance fell below 78 % of the original purchase price and Flagstar has not only failed to automatically drop my PMI payment, they have actively refused to do so. I have called three times requesting PMI be removed, and each time the representative has refused.
Consumer complaint received 2023-09-28
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. (ME)

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Consumer complaint received 2024-04-06
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. (DE)

I am writing to express my continued dissatisfaction and frustration with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the necessary procedures outlined by your company, the response I received was inadequate and failed to address the severity of the situation. 

Moreover, the lack of transparency and communication throughout this process has been concerning. I have not been kept informed of the progress made, if any, nor have I been provided with a clear timeline for resolution. This has left me feeling frustrated and uncertain about the status of my credit file.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including an evaluation of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities and legal counsel. With this, I am asking for your assistance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
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)

Transunion has illegally re-aged the account with XXXX XXXX Child Support, The original first date of delinquency was XXXX this has been disputed in the past, and deleted multiple times because of it being past the statute of limitations with date of first delinquency XX/XX/XXXX, with it being re-inserted back onto my credit report, but this time Transunion has taken it upon themselves to place the item back onto my credit report, illegally tampering with my credit file deleting all history from XXXX XXXX XXXX to deceptively hide the date of first delinquency, illegally re-aging the account to make it appear recent so that they can continue to report it, Transunion had slipped up when they knew I had the original date of first delinquency, and would have caught on to their misdeeds i have called Transunion on.numerous occasions, disputing the inaccurate information, I have filed numerous complaints through the CFPB providing evidence of fowl play on TransUnion 's end, but Transunion continues to violate the fair credit reporting act, illegally re-aging debt. Transunion has ignored my disputes, and would close my disputes out in less then 30 days with the item still remaining on my credit report, Transunion continues to do nothing but state they updated information, updated this, updated that, but when I check my credit it still remains on there, those days of updating are over, TransUnion knows the account was to have been deleted a long time ago, transunion has chosen to.be willfully non-compliant in deleting the XXXX XXXX illegally re-aged account off my credit file. No more updates, I want to see action. The item is considered ( re-aged zombie debt ) and it's unfair, ita damaging to both me, and my credit.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a right to privacy.15 U.S.C 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (GA)

In 2014 my current account with Chase had included the of benefit a safety deposit box for free, they opened for me at XXXX XXXX XXXX branch. I have never used it, the bank decided to remove last year the product as benefit, they are charging me as automatic payment XXXX for it which I have been paying so far because they do not allow me to close the box unless I personally go to the mentioned branch. I live in XXXX by now, I am not able to travel to XXXX to do this closure at the branch as they request. I have nobody to provide a power of attorney to do it for me there. I continue having all the products with this bank, I have contacted customer service number XXXX requesting assistance to close it, they referred me to a branch in XXXX, I filed a complaint with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who was very surprised this is the rule for the bank and tried to support me without success. I receive a call XXXX from their call center saying again I need to go to the XXXX branch if I want to close it, without any solution. I was confirmed even if I close all the products I have with the bank the safety box will remain active and chargeable. I am not rejecting the payment of it but I do not need the product that the bank offered for free and now to be able to get rid of it I would need to travel to another state with the expenses involved. I does not seem to be fair for a customer to be given a product by the bank and having after this big issue because they just decided not offering it anymore, not allowing the customer to close the product. 
my name is XXXX XXXX XXXX XXXX, the safety deposit account is XXXX offered within the package of my current account XXXX. The bank is obligating me to a product that I do not need nor want or requested. I believe nobody should be obligated as they are doing to have something you do not need. They should allow me to close it from any of the branches as the bank offer country wide service/branches.
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (TN)

I didn't authorize or give any permission to these company pulling my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX