davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit ( XXXX, Equifax and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) 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, Did i give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.
Consumer complaint received 2023-02-16
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: SANTANDER HOLDINGS USA, INC. (NJ)

I just recently tried to open a bank account and was declined because I owe money to Santander Bank. The problem is that I NEVER had a Santander Bank account before. 
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.
Consumer complaint received 2023-07-09
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # 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 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one bank put a hold on my checking account due to a check that was deposited into my account, they are stating that the check has returned, they deducted the amount from my account, I continued using my account as normal weeks had past then one day I go to check my online banking and i see the a message saying my funds are on hold due to the status of my account, I call customer service speak to a representative and she tells me that my account is under investigation due to a returned check, Before this incident I had a positive balance of {$5600.00} in witch now they are holding from me! I have been in contact with them daily and they just keep giving me the run around, I would really appreciate some help on saving my account
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (CO)

Subject : Urgent Complaint and Request for Removal of Improper Charge-off I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information.

Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Consumer complaint received 2023-04-13
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. (MS)

When I review my updated credit report in XXXX XXXX, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2023-01-08
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. (IL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$1300.00}, XXXX XXXX XXXX Balance XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Balance : {$600.00}, XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired onMar XXXX, XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CT)

I was sent a Pre-Legal Notice Final Notice via email on XX/XX/XXXX and again on XX/XX/XXXX. 

I have disputed all Midland Credit Management solicitation attempts and have been given legal threats as opposed to proper verification of debt pursuant of Title 15 U.S.C. 1692c ( c ).
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have had an exceptional credit rating for the past XXXX years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than XXXX spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time XXXX XXXX XXXX XXXX XXXX  situation for {$200.00} had Transunion XXXX my XXXX credit score ( once again I have had an exceptional credit rating for XXXX years ) down to XXXX ..... I am outraged by this and all of my attempts to contact any one a Transunion have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after XXXX + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on XXXX XXXX, XXXX from Transunion and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.
Consumer complaint received 2023-09-26
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. (CA)

My full legal name is XXXX XXXX and my date of birth is XXXX : XX/XX/1957. My social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX h as violat ed my rights. 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 a account without my written instructions.
Consumer complaint received 2022-10-27
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. (PA)

XXXX accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C.1681 SECTION 602 A : States I have the right to privacy. 15 U.S.C.1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2015 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-09
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NM)

I have an American XXXX  XXXX XXXX XXXX card and it was cancelled without notifying me. I was told an email was sent XX/XX/2024, but I never received any email from them starting that day until today. I did not even received an email that my account was closed. I learned it from my XXXX XXXX when my credit score was already hit. I contacted them and per chat I was told initially that it was due my inactivity for at least 6-8months. And the manager told me that it was probably because of security concern that they are preventing fraud activity. I last used the card XXXX of last year with an amount of at least {$1000.00} and I paid it off immediately.
Consumer complaint received 2023-07-09
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. (FL)

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX A so known as XXXX  XXXX  XXXX Account number XXXXXXXXXXXXXXX Account type XXXX  XXXX  O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}
Consumer complaint received 2023-06-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I Been Trying To Communicate With AutoNow Financial About Catching Up My Car Payments I Went To Work Today On My Day Off I Come Outside And My Vehicle Is Gone I Called They Laughed On The Phone They Wouldn't Tell Me Where My Vehicle Was I Have Rent To Pay If You Look At My Account I Have Been Paying My Car Payments I Don't Think They Have Been Applying My Money To My Account Now They Only Giving Me 10 Days To Get My Vehicle Back I Owe {$1200.00} Which I Don't Understand How It Came Out To Be {$1300.00} XXXX XXXX Came To Pick Up My Car At The XXXX XXXX Where I Work I Never Received A Notice In The Mail Saying They Where Going To Repose My Vehicle I Feel Betrayed I Have XXXX XXXX Uniforms In My Vehicle I Have My Insurance In There My Utility Bill My XXXX My Hair Brush My XXXX XXXX  Bag My XXXX Garage Opens My Keys To My XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Mean I Feel Because I. XXXX With A Nice Vehicle They Feel Like They Can Take My Vehicle Not Thinking About My Rights They Just Do Whatever They Want To Do My Vehicle Has No Damage To It I Know What My Car Looks Like All They Did Was Laugh
Consumer complaint received 2023-07-09
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. (OH)

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXX ( LATE XXXX XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX )