davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, Experian, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall within the definition of financial institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX, XXXX and Experian lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX, XXXX and Experian is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Consumer complaint received 2023-05-05
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)

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 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 an account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX, XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX  ACCOUNT XXXX XXXXXXXX {$0.00} 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 states : ( 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.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I do not live at the addresses on my credit report. Most of the addresses listed I never lived at. Also listed on each report are telephone number I have never been associated with my only telephone number is XXXX XXXX XXXX. Also this is my current and only address XXXX XXXX XXXX XXXX XXXX. all of the other addresses and telephone numbers listed on my report is fraud please remove
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (OH)

Jefferson capital systems are trying to garnish my wages. They never contacted me or anything. They send the paperwork to my employer.. I make {$580.00} every two weeks before taxes and I get government benefits.. like year I offered to pay something, they told me it was n't enough. then decided to file bankruptcy which I 'm still in the process of doing so. In the past they have called and horrassed me at one time I was paying on this card $ XXXX month.. then I again lost my job and now that I am barely making it, after taxes bring home pay is XXXX
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. XXXX XXXX
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-27
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 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 have 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 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 2023-02-27
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX  account # XXXX XXXX Bank account # XXXX XXXX  account # XXXX XXXX account # XXXX FXXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX  15 U.S.C 1681 Section 602 ( A ) States, I have the right to privacy.

15 U.S.C. Section 604 ( A ) States, A consumer reporting agency can not furnish an account without my written consent or instructions.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (GA)

XXXX XXXX  ruined my credit by reporting me to a XXXX XXXX   agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. XXXX took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to XXXX XXXX they can not explain logically why XXXX  did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to XXXX XXXX   actions. XXXX  has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
Consumer complaint received 2018-03-21
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

My complaint here is with Santander Bank in XXXX XXXX XXXX. The corporate office is in XXXX Massachusetts. I filed a complaint first in the late fall XXXX with this federal government agency about this bank stealing {$550.00} out of my checking account without my permission or authorization. However after filling this complaint here, this complaint has not been resolved by you even though I have asked for follow up on what you were doing about getting Santander to put the money back into my bank account. Still waiting for a reply on this original complaint. As a result of this complaint, Santander Bank put a block on my account and froze my funds for no reason and to date they have refused to remove the block giving no access to my account. I recently in this past week checked my account and my account is still frozen and blocked not allowing me access for withdrawals from my account. I need help!! I need my money. The block was placed on my account in XX/XX/2022 to date. But during this time, Santander Bank has paid from my account other unauthorized charges out of my account without notice or my permission!! Santander Bank continues to steal money out of my account because you have failed to take any direct action against the Bank to resolve my complaints against Santander Bank. I also want the money bank from the bank over many years paid to a company called XXXX XXXX XXXX  Please give my complaints against Santander Bank your immediate attention. I need my money in my account released with a view towards closing my account with Santander Bank because of their abuse and misuse of my funds being used to pay their bills. XXXX XXXX
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Hi, After trying to cancel automatic payments with Navient and reading the high ratio of complaints about this company, it needed to be sent to your office. I'm sure this company has been reported in the past. My payments to Navient have been set up for automatic payments since XX/XX/2012. The amount is around {$240.00} on the XXXX each month. On the Morning of XX/XX/XXXX I went on my Navient account online to cancel the auto pay for that month. They make it difficult since the option doesn't exist online. All utilities and monthly payments I have set up with othercompanies make it very easy to cancel if needed. Navient doesn't allow this. Given the extra payments in the past, this means my balance due each month is {$0.00}. Yet I continue to automatically pay each month to pay it off. On the XXXX I called their office and to my surprise was put on hold after this simple request. 
This is where the unethical part takes place. 

I clearly stated my intention to stop auto pay and I would establish it next month. They tried to sell me a deference. They were selling the ability to delay months and months of payments. It's clear the intentions were for the additional interest and fees it would bring in. With a balance due of {$0.00} and 6 years of on time payments, why else would they make months of no payment sound good? I reiterated to cancel the auto pay. After some time he confirmed. I received an email and document stating this. On XX/XX/XXXX I received an email thanking me for my payment. I had my bank deny it. Called Navient and they said I stopped the payment on Friday and reinstated it on Saturday. Being in IT Support and IT Admin the last 9 years, I'm not one to accidentally log in and accidentally establish the payments. On XX/XX/XXXX, Navient took out that monthly payment successfully. Between the unnecessary promotion of deferring loans, re-establishing auto pay without permission, and continuing to attempt to take money on a {$0.00} balance, this is a company that should be looked at. Thankfully I'm in a position to not let this effect my month. But if the request to stall payments came up it is not easy at all even after getting email and verbal confirmation. For some, that theft of money could set them back in various ways. Attached you'll see a confirmation of the cancellation on XXXX. You'll also see it get re enrolled on the same day. I didn't do that enrollment. The following week on the XXXX, I did. My goal was to skip one month since the balance was {$0.00}. 
Thank You, XXXX XXXX
Consumer complaint received 2023-05-06
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. (TX)

When I investigated my updated credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable items below : 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
Consumer complaint received 2023-08-05
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. (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 XXXX XXXX  XXXX # XXXX Account XXXX  XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.
Consumer complaint received 2023-02-27
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. (FL)

I checked my credit report and found that some of the data wereincorrect. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I HAD AN ACCOUNT WITH XXXX XXXX XXXX THROUGH COMMENITY BANK IN WHICH I MADE ALL MY PAYMENTS AND EVEN EXTRA MOST MONTHS TO PAY IT OFF. I MOVED TO ANOTHER STATE AND RECEIVED A NEW BANKING ACCOUNT WHICH I CALLED COMMENITY AND GAVE THEM THE CORRECT BANK ACCOUNT NUMBER. UNFORTUNATELY THE LAST 4 DIGITS WERE VERY SIMILAR TO THE BANKING ACCOUNT I HAD HAD, HOWEVER A COMPLETELY DIFFERENT BANK. THEY CORRECTLY TOOK IT OUT ONE MONTH AND THEN THE NEXT MONTH THEY TRIED TO TAKE IT OUT OF THE FORMER ACCOUNT WHICH DID NOT HAVE ENOUGH MONEY IN THE ACCOUNT. WHEN I RECEIVED THE NEXT BILLING IT HAD A LATE FEE AND NOTED MY PAYMENT WAS NOT RECEIVED. I CALLED AND ASKED WHY AND FOUND OUT THEY TRIED TO TAKE IT FROM THE OLD ACCOUNT. I THEN PAID THE ENTIRE ACCOUNT OF {$420.00} OFF AND THEN SENT IN THE LATE FEE AND PAID ONLINE A XXXX DOLLAR FEE FOR SPEAKING WITH A REPESENTATIVE. THEY CLAIM THEY DIDNOT GET THE LATE FEE ON TIME AND NOW EVERY MONTH THEY'VE BEEN CHARGING ME A LATE FEE ON THE LATE FEE