davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (HI)

Santander Account XXXX. : XXXX : SANTANDER BANK IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. SANTANDER BANK IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
SANTANDER BANK NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
SANTANDER BANK NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
SANTANDER BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM SANTANDER BANK, EVERYTHING ELSE IS ONLY HEARSAY
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Consumer complaint received 2023-08-22
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. (TN)

XXXX  XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

When trying to resolve my previous complaint, the customer service agent was not helpful. They called me, but just to immediately say there was nothing that Wells Fargo did wrong on their end. The agent 's inflammatory tone combined with a mocking : " I'm sorry you feel that way '' indicated that they were not willing to listen, empathize with the situation, and help resolve in any capacity. Wells Fargo is the worst bank I have ever banked with.
Consumer complaint received 2023-08-07
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 (TX)

I am opting out of Capital One and XXXX sharing my financial history. Capital One agreed not to share my financial information with non affiliates. XXXX is not an affiliate of Capital One and is not the true credit bureau the CFPB is and they do not furnish consumer reports. XXXX is a for profit company and does not have my consent to share my financial history with Capital One.

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC (AR)

My check was garnished without me being served. I contacted the company that sent the garnishment paperwork to my employer & when they asked me to verify my address I informed them that I would not because I never received notification of the garnishment. The representative, XXXX, informed me that they had a judge in Arkansas that would grant the garnishment as long as they had an address & it did not have to be the current or active address. The garnishment began XX/XX/XXXX & ended XX/XX/XXXX, totaling XXXX paid to the company, XXXX XXXX XXXX in Kentucky. I have contacted the courts multiple times & there isn't anything on file for me regarding a garnishment.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I keep trying to get a checking account with chase and its always a problem. Im a victim of identity theft and there were chase accounts opened in my name as a result. In XXXX I got a letter from chance saying I was cleared from the accounts and everything was fine. Fast forward to XXXX and still to this day when I go to a chase branch the account gets opened then they close it the same day and their reason is because chase doesnt want to do business with me. How is that possible if Ive gotten the letter from the executive office saying everything was taken care of? I just want to be able to get an account with chase!!!
Consumer complaint received 2022-11-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

Hello. 
I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted. 
For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me.
Consumer complaint received 2023-08-07
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: DISCOVER BANK (GA)

I'm accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-22
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. (TX)

EXPERIAN is in violation for allowing these " person ( s ) '' to furnish inaccurate nonpublic information on my credit report in which, the furnisher ( s ) of information are in violations of " 15USC 1681 ( b ) '' - " 15USC 1681a ( 2 ) ( a ) ( i ) '' - " USC 6802 Section ( b ) '' by having no written authorization from me or permissible purpose to contact any " third party '' or " credit reporting agency '' with my nonpublic personal information along with furnishing information that is excluded from my consumer report. The accounts reported are inaccurate and incomplete in which they must be removed from my credit report.
Consumer complaint received 2022-11-02
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

On XX/XX/23, I sent to CITIBANK via USPS certified mail XXXX postal money orders ( which are negotiable instruments UCC Article 3 ) for {$5.00} each for XXXX different credit cards as payments. XXXX card the balance was {$8600.00} and the other was {$830.00}. Both postal money orders were redeemed and cashed and applied to my accounts on XX/XX/23 as payment in the amount of {$5.00} each account. 

On both postal money orders I wrote out my negotiation statement on both postal money orders as again they are negotiable instruments the follow : I accept your offer in the amount of {$8600.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

I accept your offer in the amount of {$830.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

signed by me ad well as " without recourse '' and my name printed as well. along with codes UCC 3-603/3-331. As well as the account numbers to both cards They redeemed both money order which means they have to honor what was written on it by me from the terms of negotiating. I called them and they refused to honor what was written. I told them that UCC is commercial law and since they are working in a commercial capacity they have to honor and obey these laws/codes. 

I would like to file a complaint and hold them accountable for not honoring law and my negotiable terms upon redeeming my negotiable instruments. I would like for them to honor and credit my accounts and zero out both balances. 

I do have photo color copies of both money orders as well as receipts and the coupons from citibank. I look forward to hearing from you soon. Thank you for your help.
Consumer complaint received 2023-01-02
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 in from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And Experian never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

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. 

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-06
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: AMERICAN EXPRESS COMPANY (FL)

American Express issued a card to the XXXX XXXX XXXX which is owned by me. American Express is reporting the account to all three bureaus as a " charge off, '' however I am still paying the required minimum payment on the account every month AND accruing standard interest as per the card issuer agreement. American Express refuses to remove the " charge off '' status from my credit report despite my continuing to pay the required minimum payment and accruing and paying interest as stated in the cardholder agreement.
Consumer complaint received 2023-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

XXXX XXXX agency is Transfinancial Companies representing XXXX XXXX XXXX, the amount billed is {$680.00} and {$290.00}. The dates of service is XX/XX/XXXX. I have spoke directly to Transfinancial Companies whom directed me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke with the Business Director, XXXX XXXX, she stated " she does not what to do what to do with the bill ''. I'm disputing the bill because at that time I was a prisoner at XXXX XXXX, I was brought to the hospital after being arrested not at my request but because the officer assumed I needed care after previously having a XXXX that I was already treated for at another hospital 2 days before my XXXX. During the hospital visit I refused service with signed documents that the billing office viewed and still chose to bill me for services that were not rendered and also given without my consent. My point of contacts were XXXX XXXX at ( XXXX ) XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. I feel that I should not be held responsible for the bill being that I was not brought to the hospital as a XXXX, also I denied treatment with proven documentation.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (GA)

I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.
Consumer complaint received 2023-08-06
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: Nelnet, Inc. (NJ)

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : Nelnet Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Consumer complaint received 2023-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AL)

XXXX, XXXX XXXX XXXX with Navient has contacted my employer and has attempted to harass me and my employer. He wants my employer to call him and to send him personal information on me. In an attempt to get them to put pressure on me or possibly fire me. This tactic is unprofessional and unethical. Please stop Navient from using these bullying techniques on Alabama employers and employees. 

Thank you, XXXX