davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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 — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (FL)

According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. 

I have disputed the information on my consumer report with XXXX, XXXX, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by Santander. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.
Consumer complaint received 2023-05-28
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: CITIBANK, N.A. (CA)

I reviewed my Consumer Reports and noticed that I have XXXX payment late on my citi bank account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you XXXX XXXX
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

Union Bank Credit Card Fraud Department is 100 % in violation of Federal Banking Regulations to delay Fraud Claim filing process and REFUNDS up to over 30 days or XXXX months delays, as they have merged newly with XXXXXXXX XXXX 

Because of their merge, they fell behind on Claims. I worked with XXXX XXXX bank and I am fully trained and aware of Federal Banking Regulations. I had to call daily XXXX  times a day for over XXXX weeks BEFORE they would even finally not drop calls. Not XXXX call was returned by Fraud department in over 27 days. I also note that I worked under a STATE LICENSED INVESTIGATOR, XXXX XXXX for over 7 years in an Apprenticeship and worked with DA/Attorney and our specialty is FRAUD. 

XXXX have an Online Auction website and there is a PHONY COPYCAT website that is online and I did not notice till too late as it looks exactly like the XXXX website. I received an EMAIL to confirm from the XXXXpartner that is it a phony fraud website and it is not their website and many have contacted them about the phony site. 

UNION BANK CREDIT CARD DIVISION IS NEGLIGENT UNDER FEDERAL LAWS TO REFUSE TO PROPERLY PROCESS REFUNDS FROM FELONY FRAUD CASES. 

Phone Number : XXXX Dept Head : XXXX - refuses to process/no call backs Fraud Dept - no calls backs - will not take evidence emails Agents stated it will be over 30 days or more before funds from Felony Fraud are refunded if not more as " the Fraud Department is too far behind '' ....
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The ACH transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!
Consumer complaint received 2022-11-30
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. (TX)

accordance with the Fair Credit Reporting act XXXX  Account # XXXX for 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 my written instructions
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (MI)

Hello there, Please help me understand why would there be interest charges on a written off and closed loan account. I thought we were in the process of trying to settle this written off debt from years ago. Anyway, I tried multiple times to communicate/negotiate with XXXX XXXX years ago and Credit Corp Solutions prior to court filings. But, both parties were super aggressive failed to negotiate and both were biased towards me at that time. It would be impossible to payoff this written off debt currently due to living on a fixed and limited income. I was finally approved for SS XXXX after patiently waiting for over twenty-two months. This would be a huge financial burden and detrimental to health on anyone who is barely making ends meet which can lead to a possible life threatening illness. I do not know who gives the authority to these third-party, wicked collection agencies who buy junk debts pennies on the dollar and then abuse the less fortunate, low income individuals and families! 

Thank You, XXXX
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

The credit reporting agency stated that they validated with the Court System a bankruptcy on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false.

Name and Adress is incorrect.

I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely
Consumer complaint received 2023-03-25
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. (NY)

I was notified in XXXX that a new account had been opened but I had not applied for any new loan or credit. I immediately contacted Experian to dispute and froze my credit. Experian resolved the dispute by only noting that the account was in dispute but did not remove it. I then filed an identity theft claim with the FTC then refiled the dispute with Experian. The account was then changed on my account to paid in full but remained on my credit report. It needs to be removed. It is not mine. By leaving it on my account, the identity fraud continues. What other evidence do you need than a consumer who tells you an account is not theirs, that they never applied for the account, and that the new current address that is suddenly appearing on my credit report is definitely not mine and not where I live.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one credit card is accusing me that I have a 3rd credit card - I only had 2 - this third account is fraud. I paid the other two back in 2021.
Consumer complaint received 2018-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to CAPITALONE accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-12-05
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Consumer complaint received 2023-04-12
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. (MD)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are XXXX XXXX on my credit report.
Consumer complaint received 2023-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The XXXX transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. Until today XX/XX/XXXX, I still don't receive any of funds back.This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I would like to follow up and formally express my continued frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : The persistence of these inaccuracies is causing significant stress and has a detrimental impact on my financial stability. I request that you would help me conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter and to receive written confirmation once the corrections have been made. 
Please help me remove these items immediately : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Any credit company when applying for financing a vehicle or refinamcing, applying for an appartment, cell phone service anything that would pertain to getting a loan or credit always XXXX  denial and the letter, but never an actual reason for the denial. This has been goimg on for years, and have made, any reports for XXXX XXXX and attempted to XXXX, fraudulant charges im hopes the XXXX  be returned. NOTHING. Losing everything really XXXX. XXXX XXXX, XXXX no friends no family cant XXXX  home living XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and getting discriminated against and ripped off. People have attacked me by putting stuff in food XXXX  to make me XXXX. Reports to authorities and financial institutions havent done XXXX, XXXX failed lXXXX XXXX  failed XXXX failed NOTHING IS WORKING OR HELPING!
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have been disputing items on my credit report without any response or update from the credit bureaus. My rights have been violated and I should be compensated for their neglect to do a timely investigation per the FCRA.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit reporting 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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 accounts ( A ). It is not permitted to report these accounts 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00}