davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
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: Santander Consumer USA Holdings Inc. (FL)

I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-08-17
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: AUTOMOTIVE CREDIT CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp (CA)

These 2 accounts from the same company were wrongfully documented and incorrectly pinned under my name.One was resolved and removed from my credit report, but the second one is still on my record/XXXX  credit report showing a balance of {$400.00} opened XX/XX/XXXX. I do not have any knowledge of this company as they still have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 7 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to respond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 3 ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

Citibank advertises on its website that upon checking bank account opening they provide bonus cash offer after certain conditions are met. Back in XX/XX/2023, I opened a checking account online through the citibank website. At the time the offer was XXXX $ bonus rewards upon opening checking account and maintaining XXXX $ balance in the account for 70 days after 20 days of account opening. I have fulfilled all the terms of the account and when I checked back with the citibank representative they confirmed that the conditions are met but still the rewards isn't being issued. They created a ticket for their backoffice to investigate and I am being asked for email communication or letter from the bank confirming the offer. I didn't receive any such communication besides citibank has that offer on their website even today but with changed terms. I have done several follow ups with the bank and each representative gives me different answers. I am tired of their poor customer service and very disappointed in them. I feel cheated by the bank. I need this to be resolved.
Consumer complaint received 2023-09-04
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. (PA)

Notice to agent is notice to principal notice to principal is notice to agent Reinsertion of previously deleted accounts from credit reports RE : Social Security Number : XXXX To Whom It May Concern : Experian, It has come to attention while checking my consumer reports that you Experian, has reinserted a previously delete item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Further more after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions.

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 

XXXX XXXX All rights reserved UCC 3-308
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

My complaint is with TD Credit Card. My husband XXXX XXXX closed his credit cart out on XX/XX/XXXX over the phone. We asked for the balance we paid {$1300.00} by check over the phone. Well it hasn't stopped since they keep telling us there is a payment of XXXX dollars due. This has been going on for over 2 years. We have not had the credit card since XX/XX/XXXX however even after we closed the account new charges have been appearing. It is harassment at this point ... Every time they say the credit card is closed out a new bill with a different amount shows up. If we closed out the account in XXXX and paid out the full amount in XX/XX/XXXXit should be done. They are ruining my husbands credit. I have a reference # of XXXX for XX/XX/XXXX of XXXX which we paid on that day for XXXX XXXX XXXX even though we had closed the account in XX/XX/XXXX. The call was taken by XXXX XXXX. She said the credit card was closed but it was not!!!!! 
XX/XX/XXXX I got a letter saying it was closed. XXXX XXXX XXXX should not have been charged! 
XX/XX/XXXX they say I owe XXXX we pay it. They say it is now closed. 
XX/XX/XXXX they say it is closed and we get a conformation letter XX/XX/XXXX they say I owe XXXX XX/XX/XXXX they say now I owe XXXX dollars A complaint was filed to you and you handled it and it was done. Now more than a year later ... 
XX/XX/XXXX I get another one saying I owe XXXX dollars!!!!!!! I want the harassment to stop!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-04-04
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. (NY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Consumer complaint received 2023-11-04
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: Scott Fetzer Financial Group Inc. (CA)

UNITED CONSUMER FINL S OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH TIMESHARE LEGAL ATTORNEYS. IMMEDIATELY REALIZED I DID NOT NEED THE TIMESHARE LEGAL ATTORNEYS AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED UNITED CONSUMER FINL S AND PAID OFF THE CONTRACT. UNITED CONSUMER FINL S REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TIMESHARE LEGAL ATTORNEYS WHO LATER PAID THEM.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

Company : Rent recovery solutions Date : XX/XX/2019 XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have a student loan on my Experian credit report from the XXXX XXXX XXXX XXXX According to the report the loan began XX/XX/XXXX and was for a term of 36months. Im not 100 % clear on what type of student loan it is.. I know there is one type that seemly never falls off your credit report, but regardless of which kind it is ... 

If the loan began on XX/XX/XXXX then 36 months later would be XX/XX/XXXX and then +180 days would be XX/XX/XXXX. 

According to my Experian credit report the date of first delinquency seems to be XX/XX/XXXX. I think the date of delinquency is wrong. 

Im not familiar like I said with the loan, but no payment has ever been made on it so it is very likely the date of delinquency is perhaps even earlier than XX/XX/XXXX. 

If this is one of the loans that does fall off I think that it should have already and if it isn't I don't believe the date of delinquency is accurate.
Consumer complaint received 2024-04-04
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get 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 Balance : {$290000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XX/XX/2024
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (VA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NH)

XX/XX/XXXX XXXX M & T Bank - email correspondence XX/XX/XXXX - XXXX XXXX XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX XXXX - called XX/XX/XXXX - XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX - phone and email correspondence XX/XX/XXXX. - XXXX XXXX - email correspondence Checking accounts with debit cards have been opened in my name at all of these institutions. I have been in contact with them all by email and phone to report fraud and all of the accounts have been closed. I was referred to my police department but they are unable to help.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (DE)

Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (NY)

I sent out a letter out XX/XX/2022 in XXXX to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 


Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have XXXX accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my 3 XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.