davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-06
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (ID)

15 use 1681. Contract laws and consumer 's rights to be left alone on a debt that I don't owe Midland Credit Management. I have no contract with them and have received letters and emails threatening me with attorneys. Under fair credit act they need to stop harassing me with emails and pay me XXXX dollars a day for reporting fraudulent claims on my credit report.
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP (TN)

Im not sure on the date the loan was processed but I did get a loan with Republic Finance and the total pay back was XXXX.Im not even sure how I qualified and the lady that closed my loan never asked me about collateral, never tried to update anything, except a paystub. The lady then told me upon signing my paperwork ( and I'm not sure why she would make this remark ) but that they dont take single mothers to court for non payment. After losing my job they of course started to contact my references and told my mother they were going to take action against me. Ive worked in collections and I know that is something you never tell anyone. I know there is no way I qualified for that loan with the income to debt ratio I had and was told they made the loan to meet quota.
Consumer complaint received 2022-12-22
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. (IL)

XXXX XXXX account is not my account I have asked for it to be removed several documents stating that its not my account every other credit you have taken it off except for Experian I ask for proof is mine no no update information sent but its keep getting verified
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (NJ)

These are the other hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (NV)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-29
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (GA)

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 2024-03-06
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: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (TN)

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (GA)

I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (OK)

XX/XX/XXXX Santader Consumer USA changed the term of my loan without my knowledge or consent and did this based on the dealer submitting XXXX separate forged loan documents. 
XX/XX/XXXX I notified Santander of my assertion of dealer fraud and Santanders responsibility to me if I suspected dealer abuse and fraud. I informed Santander that I never signed the loan document nor did I agree to the purchase of the back end ancillary products added to the loan contract. I requested copies of these documents from both the dealer and Santander. The dealer has yet to provide the documents and Santander finally sent me a copy of the loan documents on XX/XX/XXXX. After reviewing them it is obvious that they were forged because I never signed them. 
I reminded Santander of the permanent injunction that Santander was violating and begged them to work with me. 
XX/XX/XXXX I removed the authorization for auto pay from the external accounts associated with my loan. I did this online and over the phone. Santander ignored this request and XXXX payments were taken from XXXX different accounts XXXX of which was my business account which forced it to close. 
From XX/XX/XXXX until XX/XX/XXXX I emailed, called and wrote Santander regarding the inability to make the payments and the loan was in default. 
XX/XX/XXXX Santander repossessed my car but the tow truck driver failed to provide me with the documents for a legal repossession. 
XX/XX/XXXX I received a call from someone claiming to be from the XXXXXXXX XXXX. This person told me that they sent out a copy of the loan document and the deficiency notice required by law. To date I have not received anything from Santander. 
It is my assertion that Santander bought this loan from the dealership with forged signatures, changed the term of the loan and withdrew money from XXXX checking accounts that were unauthorized and not legal. 
I also assert that Santander violated the class action permanent injunction dated XX/XX/XXXX were Santander must watch out for signs of dealer abuse and re evaluate all loans if they default within a certain time.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (MN)

I called XXXX XXXX XXXX on XXXX XXXX, 2017 to cancel my wireless service for account # XXXX. The overseas XXXX XXXX XXXX call center did n't cancel the service and when I continued receiving a bill for service I was not using XXXX XXXX XXXX finally cancelled the service on XXXX XXXX, 2017. Numerous calls to XXXX XXXX XXXX only provided the " Run - Around '' with no resolution so XXXX XXXX XXXX turned the amount over to Sunrise Credit Services, their account # XXXX. I have advised both parties that I would not pay for services not used. The disputed Amount is {$150.00}. Incidentally I had great difficulty in cancelling three other XXXX XXXX XXXX services due to the move from XXXX to XXXX, But was able to after numerous phone calls was able to accomplish the requested service cancellations. 

XXXX XXXX
Consumer complaint received 2022-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been a customer with Capital One XXXX  since XXXX - back when they were called XXXX  XXXX  / XXXX, before Capital One acquired them. 

I thought my Capital One XXXX Account interest rate was 3.30 % as advertised on their website. It says : " Put your savings to work with one of the nations top savings rates. 
SAVINGS ACCOUNT BALANCE Any Balance ANNUAL PERCENTAGE YIELD ( APY ) 3.30 % '' When I reviewed my own savings account details ( several clicks into it ), it says my APY is actually only " 0.3 % ''. 

The last time Capital One emailed me about my savings rate was in XXXX when they noted it was 1.0 %. I regularly check their website front page to see the current interest rate. I assumed today I'd be getting the 3.30 % rate like they advertised. 

I noticed the discrepancy just today and immediately called the customer service line. 

They told me that I had a some savings account than the savings account on their website home page, and mine pays only 0.3 % interest. 

I asked them why I wasn't getting the rate that was advertised considering I was such a long time customer. I asked why my account summary page didn't mention that my Capital One XXXX Account was somehow different than the one they prominently advertise on their home page. They said my savings account type was no longer sold. They said they made up a new name " Capital One 360 Performance Savings '' and mine was just " Capital One 360 Savings ''. 

I searched my XXXX account where I receive Capital One notices and they never ONCE mentioned the term " 360 Performance Savings '' in any email to me, or that my account type no longer available and was being given a super low interest rate. It's like they were trying to deceive me and keep me on an extremely similar but completely inferior product. 

I wonder how many other customers they did this to - trick them into thinking they had a competitive rate as advertised on the home page, but then sneakily stick you in a slightly different named product which has XXXX worse interest rate.
Consumer complaint received 2023-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Ive checked my credit report on the app XXXX XXXX for CapitalOne and it reported my XXXX of my credits cards and a extra capitalone card that isnt mine. The credit limit was for XXXX but its maxed and Im not sure when it got added to my account but it says its been active for 7+ years.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX and Department of Education have not reported accurate information to the Credit Bureaus. 

I received a letter from XXXX on XX/XX/XXXX stating that my Federal Student loan balance was XXXX. 

As of today, XX/XX/XXXX Experian, XXXX and XXXX are all seeing a balance of {$30000.00}. 

This has an effect on my credit score and needs to be reported. I've sent disputes to the agencies and awaiting response.
Consumer complaint received 2022-12-22
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: JPMORGAN CHASE & CO. (IN)

On XX/XX/2022, I purchased an online coding training service from a company called XXXX, the amount I paid is XXXX USD. The service is a one-year subscription for any course offered on their website. 

I started XXXX XXXX XXXX Interview : Patterns for Coding Questions course shortly after the purchase. I was halfway through the course and was suddenly notified that the course will no longer be available, instead, I was introduced to another course that was supposed to be a replacement. 

Worried that I will lose any further progress on the old course, I switched to the new course even though the old one is not yet expired. The new course : XXXX XXXX XXXX XXXX in XXXX has multiple issues. 

To start with, the descriptions of course are not always clear. 

Another issue is with the online submission tool, this thing is buggy, and lacks debug function. I have to do all my code offline. 

The last issue is on the discussion function for any of the solutions, I was expecting some forum where I can discuss things with other learners, while the ask a question section is usually clean, and no one seems to be asking any questions. 

For the above reasons, I contacted XXXX XXXX to cancel my subscription on XX/XX/2022. The company refutes my request on the second day, saying it does not meet its refund policy. 

On XX/XX/2022, I talked to Chase, the credit card company that issued the card that I used for this purchase. I requested for a dispute on the purchase because I am not satisfied with the services I received. However, Chase replied that any service purchase, at the moment when the service has been used, does not qualify for a dispute. Therefore they can not start the dispute process for me on the purchase I made. 

The service I received is a one-year subscription for any course XXXX offered, the actual usage for me is XXXX courses, none of them completed. The total time I spent on the website is less than XXXX months, much shorter than XXXX year. I think I should be qualified for a refund, and Chase shall not refuse to start the dispute process.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.