davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (PA)

In XXXX of XXXX I was subject to an elaborate Employer scam. I answered an ad on a job board, that turned out to be scam. The role was to be a recruiter, to that end I was sent training materials for this role. I was then sent payment via an electronic check with instructions to bank the check, and then make a withdrawal that is to be put into another account ( at a different bank ) in order to fund the equipment for the role as a recruiter ( a special computer with encryption ). XXXX such transactions were undertaken, on receiving a XXXX check with instructions... I questioned the need for another transaction, at which time I was told if I did not comply, I'd be financially ruined. Within the hour they had reversed the XXXX checks I put into my financial institution ( Santander Bank ). I reached out to the company without success. So I called Santander Bank, and was directed to their Fraud Dept. I supplied the Santander bank with all the documentation, along with email communications. To which they have left me holding the can. I find this extremely disturbing that a XXXX XXXX XXXX has ZERO fiduciary responsibility to a customer of good standing for XXXX  years. Also it is completely absurd that a Banking Institution of this size would clear XXXX checks into my account that were apparently not valid checks, and had NO funds behind them to support the deposit of funds to my account. Thus I am being held responsible for a short fall of over {$9300.00} USD, and my account has been closed by Santander Bank. I am looking to see what recourse I have?
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and TransUnion, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX  XXXX XXXX XXXX, Tx XXXX Furthermore, TransUnion has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.
Consumer complaint received 2018-03-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
Consumer complaint received 2023-08-04
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. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-09
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. (IL)

Hi My name XXXX XXXX XXXX having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /opened XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2023-09-09
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. (IL)

Hi My name XXXX XXXX XXXX having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   /opened XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of 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 have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (TX)

I did not apply credit card to XXXX XXXX Credit Card Application. 
However, I received a letter from the company that my application has not been approved. 
I guess somebody who stole my personal information might apply credit card. 
I want to get all credit card company need to stop issuing credit cards.
Consumer complaint received 2017-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

I've tried to dispute these items because they have alot of inaccurate information on my credit report or I will take legal action. I have highlighted the inaccuracies and inconsistencies and you'll be able to see them for yourself. I was lied to when I signed these loans as well. I was promised by my school that is now closed down, that they would help me get a job making at least XXXX a year with a Degree in XXXX XXXX XXXX. When I graduated I received ZERO amount of help from the school and all they did was get my to sign for a loan that's it. This completely destroyed my life and credit. I have XXXX kids to take care of and can't get my life on track because these credit bureaus refused to delete these items from my credit
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO MY PREVIOUS COMPLAINT * TO WHOM THIS MAY CONCERN, THIS IS MY LAST TIME ADDRESSING THIS FRAUD INFORMATION THAT IS STILL REPORTING ON MY CONSUMER REPORT. IT HAS BEEN WELL OVER 30 DAYS FROM THE TIME I'VE MADE YOU ALL AWARE OF THIS INACCURATE INFORMATION ON MY REPORT BUT IF THIS ISN'T FIXED WITHIN 14 DAYS I WILL BE FORCED TO FILE FOR LITIGATION IN A FEDERAL COURT. THE FOLLOWING INFORMATION NEEDS TO BE BLOCKED AND REMOVED FROM MY CONSUMER REPORT : FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-20
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. (AL)

XXXXHAS BEEN NOTIFIED AND HAVE RECEIVED REQUESTED DOCUMENTATION FROM ME REGARDING A FRAUDULENT AUTO LOAN ACCOUNT. THE INFORMATION HAS YET TO BE REMOVED FRIIM MY CREDIT FILE. THE INFORMATION WAS SENT TO XXXX, DIRECTOR OF  CONSUMER SERVICES
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
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.

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.