davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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. (NV)

Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX # XXXX Account name, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 2023-05-15
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. (DC)

XXXX ACCOUNT XXXX THIS ACOUNTIS SHOWING BALNCE, IT SHOULD NOT SHOW NO BALNCE BECAUSE I SENT A LETTER SHOWING THAT THE DEBET WAS CANCELLED AND NEEDS TO BE XXXX OUT
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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, Account name : 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 an 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 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer. 

XXXX XXXX XXXX they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to providXXXX me with the name and address of the original creditor.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

This is about my Chase Prime card ending in XXXX. 

I can not login to my online banking. It says a message " Important : We weren't able to sign you in. '' I am unable to view my statements or pay my bill or dispute charges. I have called many times and the company has not helped me at all. The reset my password to my online login access one time and other than that this problem still exists. On top of the first issue, my card has had over 30 fraud alerts in 30 days. The company is forced to ask me public records questions more than once every 24 hours. This is far from normal and I have asked multiple supervisors to open an official complaint and they have refused to do so. They entry level workers have even refused to transfer me to a supervisor when calling as well. They keep telling me my account is under review and then I call back and they ask my more public records questions. This is a clear case of consumer abuse and Chase has many criminal practices which are highly illegal against consumers ( me being one of them ).
Consumer complaint received 2023-07-10
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. (IA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XX/XX/2023, secornd complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX XXXX and XXXX : account XXXX  XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.
Consumer complaint received 2023-02-25
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. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} ; JPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}.
Consumer complaint received 2022-11-18
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. (TX)

This is my 2nd and final attempt to supply court documentation to Experian, XXXX, and XXXX regarding a recent lawsuit with XXXX ( Account XXXX XXXX  ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF DISCOVERY RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( AccounXXXX XXXX XXXX  ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Consumer complaint received 2022-11-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX CAPITAL ONE {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE AUTO FIN {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX  {$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2022-11-18
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX  : {$480.00}
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX an ex of mines stole my card. They also went ahead and stole my phone my wallet accompanied by my debit card. I contacted Wells Fargo Bank as of Monday in order to to inquire about my lost card as well as transactions being made on to my account that weren't authorized by me because my card was stolen. I was told that would be checked into and that funds will be directed back into my account after investigation is done. I checked on my account multiple times throughout the week without any type of reach out from Wells Fargo, then on XX/XX/XXXX I reached out to Wells Fargo claims department and they told me that my claim was going to possibly be denied although it was still open that my claim was going to be denied because the ATM transaction withdraws were authorized because he had my ATM pin beforehand. I have a police report number, I have my attorneys number, and I have all documentation from reporting the fact that my things were stolen on that date. When I told Wells Fargo this they still told me that they were not able to reimburse the charges over to me because they claimed they were authorized and valid I asked to speak with multiple people as well as multiple people to take legal action against Wells Fargo because they are being fraudulent as well by letting these charges go through on to my account.. when I was transferred over to a supervisor and let them know that I needed information in order to take that legal action against them they then told me that they were disconnecting the call and hung up on my face I have recordings of this as well as I have again all documentation of the report and of the theft the amount that I am filing a claim for is {$400.00} I need help with this because Wells Fargo is crooked and they are not trying to help me this has interfered with my rent and my living status as well as my food and my transportation please help.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well.as the 3 credit bureaus. Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized accounts. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. I have no knowledge of this debt. This is not my debt. The name of the debt collection agency is " Capital ONE. The amount on the account is {$1700.00}.
Consumer complaint received 2023-05-15
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. (DE)

Dear EXPERIAN, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE, XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX XXXX XXXX ( Bank ) XX/XX/2022 - TRANSUNION UNIVERSALCIS ( Miscellaneous ) XX/XX/2022 - TRANSUNION