davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC. (NJ)

To whom it may concern, I am writing you today as an aggrieved man. I am not sure this is discrimination, but it sure feels like it. I XXXX XXXX XXXX have attempted to open a checking account online with XXXX BANK to no avail. I am consistently told via a message my application can not be approved. I get no explanation, nor do I receive any correspondence as to why. There was a fraudulent account opened in my name back in 2013. However, after I disputed, filed a police report and this account was investigated. I was found not liable for any balances accrued. This is the only reason I can think of as to why XXXX BANK is consistently not approving my applications for a checking and savings account.
Consumer complaint received 2017-09-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (KS)

On XXXX, I paid Navient in full with my Savings account. As of XXXX, they 're claiming that the payment was never processed, which is a lie by committing fraud. I received an email notification of confirmation of the {$1400.00} that I paid them on XXXX, and on XXXX, their website said was received.
Consumer complaint received 2023-09-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (CA)

This account with credit acceptance Corp is inaccurate and completely reporting the wrong amounts 15 U.S. Code 1681i Paragraph 5 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-18
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. (TX)

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

Macy 's is reporting inaccurate information to the consumer reporting agencies greatly effecting my credit score. Macy 's Charged-off the debt, as it clearly states on my consumer report. Macy 's is required by the Internal Revenue Code to provide me with the 1099c, that is 26 USC 6050p. I will be filing IRS form 3949a on Macys. Also, Macys sold the debt to XXXX XXXX XXXX XXXX ( attaching a copy of the debt being sold ). Why is Macys reporting to my credit reporting when you sold and charged off the debt? A charge off is considered income, and income is not to be reported to the consumers report. Macys is not respecting my right to privacy as a federally protected consumer, my nonpublic personal information was not to be giving out. I will consider this as aggravated identity theft on Macy 's part for providing my information to a non-affiliate third party. and as I'm sure you aware of 15 USC 1666d- treatment of credit balance in excess of {$1.00} is money owed to the consumer, which is also evidence in the federal regulations you blatantly violate 12 CFR 226.11. Anything over {$1.00} is money owed to the consumer and upon request you must make a good faith effort to either credit my account or send me a refund my check, cash or money order. I am requesting and demanding that Macys sends me my credit balance of {$390.00} ( the same amount XXXX XXXX XXXX is attempting to extort me for. This is also notification of my continuous right to opt out of your reporting under 16 CFR 313.7 ( f ), I XXXX XXXX hereby revoke the Authority giving to Macys or any other affiliate to report anything to the consumer reporting agencies. I am also demanding the 1099 c filed to be presented so I can properly file my 1040, I am demanding you update all accounts with the consumer reporting agencies within a timely manner as requires by 16 CFR 313.7 ( e ), and I'm demanding the credit balance be refunding to me immediately!
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)

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 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear Sir/Madam, I am writing to express my dissatisfaction with the decision to permanently limit my PayPal account with the email XXXX. I strongly believe that this limitation was made in error and that I have not violated any PayPal policies. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal takes fraud prevention very seriously, and I assure you that I have always conducted myself with the utmost integrity and respect for PayPal 's policies. 

I have used PayPal for many years, and it has been an essential tool for me to conduct business and make payments safely and securely. I have never had any issues or disputes with PayPal in the past, and I am confident that I have always followed the guidelines provided by PayPal. 

I respectfully ask that PayPal reconsider their decision and provide me with an explanation as to why my account was permanently limited. If there was any misunderstanding or confusion, I would be more than happy to clarify any details necessary. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue promptly and amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-13
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. (NY)

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
Consumer complaint received 2023-04-12
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)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax and XXXX Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I request that Equifax and XXXX Credit Bureau must investigate and delete these fraudulent Items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX XXXX XXXX, OH XXXX ; XXXX XXXX WY XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX ( Original complaint ) To Whom May Concern, Im writing in regard to 2 of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another 3rd credit card with Capital One a Quicksilver account I provided as well showing that account is being report, just to prove that the other 2 are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX  thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you! 

As of XX/XX/XXXX I recently received a copy of my credit report and the credit cards that I sent a complaint about are still not reporting to the credit bureau XXXX and XXXX. I was send a correspondence from Capital One stating within 60 days those accounts should be reporting. Ive been going back in forth with this issue for three months now. At this point Capital One still has not done their job because why is it taking this long Ive have these cards for years and Im not sure what occurred for them to stop reporting. I would like an explanation as to what need to happen next. Thank you!
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

My account was showing $ XXXX and a check was deposited im my account. This is truly the practices found to be unlawful by CFPB examiners in the areas of deposits. I have a message that the check was deposited XXXX22 yet its not showing in XXXX account and not even in pending deposits and 2 items was returned and more NSF added to my account. I wrote about this early this week because I deposited the check sunday in the atm and was not credited the {$250.00}. my insurance dropped my coverage because the transaction was declined. They will not reinstate my policy and now I have to find new auto insurance and qouted a way higher amount. the 2 items that was return XX/XX/2020 addind late fees and negative credit reporting. This is a major issue, also taking the last money that I had in my account to make a small partial payment to a NFCU credit card and previously taking it from my daughters account. it happened again with my XXXX mobile phone payment it was returned and now my payment history will be affected and phone was be cut off. Charging a reconnect fee each line, NSF fee and late from XXXX and the fee from NFCU. So thats over {$100.00} or more in fees because of NFCU. Plus the other 4 payments that was returned. Utility bills and credit cards etc. Not just NFCU fees. This is a major issue that is affecting my life. Predatory practices with NFCU credit cards. Ive experienced abusive lending practices with my credit cards with NFCU. Payments made to the my credit card accounts for over 2 years barely affected the balance. Payments that are late, NFCU will take unauthorized funds from my XXXX accounts. NFCU also withdrew unauthorized funds from my XXXX XXXX XXXX daughter XXXX account to make a payment as well. My daughter is a minor and not a authorized user or account owner. While making payments to get the outstanding balances down, NFCU unknowingly closed my credit card accounts. I was unaware until a transaction was declined while I was purchasing with a merchant.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2022-11-09
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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 investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

On XX/XX/XXXX I was notified by XXXX XXXX that there was a hard inquiry from XXXX XXXX XXXX XXXX , XXXX on my Equifax report. This is a fraudulent inquiry as I did not sign up for XXXX XXXX XXXX XXXX or have anything to do with this. I completed an online dispute on XX/XX/XXXX Confirmation Number : XXXX. I was never able to check the status of the dispute because Equifax was " unable to locate a credit file ''. XX/XX/XXXX I got married and changed my name. I gave Equifax all of the information over the phone trying to use my maiden name and married name with no success. I had called 4 more times over the course of months until XX/XX/XXXX at the advice of a phone operator I faxed a name change and address update letter. I included my marriage certificate, social security card, driver 's license, and a cover letter. I received a letter from Equifax letting me know that a name has been added to my credit report. I called again as I am unable to log in online to an account that I created and was told that they were still " unable to locate a credit file ''. This is simply untrue. I applied for a mortgage in XXXX and have had 2 credit inquiries from my mortgage company this year. Again on XX/XX/XXXX I submitted another fax to the " Disputes or Freeze Department '' to request access to my online account and to dispute the XXXX XXXX XXXX hard inquiry. This fax included all of my identification information that I had sent in the previous fax. I received a letter sent to my maiden name asking for my social security card and a driver 's license, which I had sent. I feel as if I am out of options dealing with Equifax as they refuse to help me resolve the issue.
Consumer complaint received 2023-09-28
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. (NY)

My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not overstate the frustration, XXXX, and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.