davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.
Consumer complaint received 2023-01-16
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Our new ATM cards were mailed to us by regular XXXX mail, without a warning from the bank that the cards had been sent, then they were somehow stolen from our communal mailbox after delivery. The cards were activated by a third person then used at a casino for over {$1000.00} on XXXX XXXX XXXX After a fraud report was filed with USAA, they credited our account back for the amount fraudulently spent. We also contacted the police after the theft and have the case number available. 
XXXX XXXX XXXX USAA took back the credit for the stolen money, and without ever having contacted us, they alleged that the use of the card was not fraudulent because it was in the general geographic area where we live. 
We contacted USAA to ask about the fraud report and spoke to a representative almost XXXX later. The representative said that the person who used the car did so as an authorized user. They said that the person who stole the card called USAA to activate it and the bank, for some reason, added him to our bank account without any other information. We resubmitted our fraud claim with this new information XXXX We are still missing $ XXXX from our bank accounts and have spent over XXXX hrs on the phone or email.
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (SC)

XXXX XXXX XXXX XXXX is send me collection papers representing themselves as Scott & Associates PC. They have yet yo prove I owe the debt, but they are sending letters from an attorney.
Consumer complaint received 2023-06-24
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. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section XXXX ( a ) ( XXXX ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent. 

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.
Consumer complaint received 2023-01-15
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. (NY)

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) 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 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information om my credit report im also sending you the letters i sent to the reporting agencies.

15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-01-15
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. (FL)

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. 
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 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 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NJ)

Experian FAILED TO SECURE MY PERSONAL DATA. Now that they allowed my data out on the dark web they are attempting to SELL ME Monitoring of my info on the dark web. I would call that a SCAM. They admitted my data was breached from their site, that its on the dark web and gave me a free credit report. That's CRIMINAL.
Consumer complaint received 2023-01-23
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: MicroBilt / PRBC (formerly CL Verify) (TX)

Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.
Consumer complaint received 2023-01-15
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. (CA)

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXL ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX OF ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Consumer complaint received 2019-12-20
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: CITIBANK, N.A. (TN)

I placed an order on XX/XX/2019 through XXXX  XXXX for a set of struts and shocks. After about two weeks and no update I contacted the company regarding my order. On XX/XX/2019 I spoke with a representative who said the items I ordered were on backorder. I let him know that I did not want to wait and wanted my order canceled. The same day I went ahead and ordered from a different company. About a week went by and I had never received a refund from XXXX  XXXX for the order I had placed. I disputed the transaction through my credit card holder. LL Bean Mastercard. After several weeks I received a letter stating my dispute was resolved in my favor. Within a couple of weeks I received two shocks by XXXX and I was notified by LL Bean Mastercard that the credit had been reversed because XXXX  XXXX provided documentation showing that my order was never canceled and they had shipped me my order. They shipped the two shocks after the dispute and it was only half of my order. I contacted XXXX  XXXX  and told them I no longer needed their product and that I wanted to return it and receive a refund. I was provided a return shipping label which I still have a copy of. I returned the two shocks and have the tracking information to prove it was sent back and received. XXXX  XXXX never issued me a refund. I disputed the transaction a second time and it was immediately closed by LL Bean Mastercard with no explanation. I have opened a dispute regarding this transaction multiple times with no resolution from LL Bean Mastercard.
Consumer complaint received 2019-02-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

I am one of he consumers that was convinced to use he Temporary Reduction in Payment Plan ( TRIPP ) and should be part of he restitution yet when i call I keep getting transferred to CS in another country and they sate i am not due anything and that my account is closed and refuses to transfer me to an american operator. he same car also had gap coverage that was totaled and i had to pay ~3000 since the gap did not pay the loan off. These were all part of the settlement Santander should be refunding to customers but sem to be making it difficul for us to recover.
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

This SANTANDER CONSUMER USA XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SANTANDER CONSUMER USA XXXX
Consumer complaint received 2019-02-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mediation Recovery Center (OH)

This debt is not a valid debt it is past the statue of limitations, I spoke with a representative back in XX/XX/XXXX and they explained to me that I owe them over {$500.00} and they said that they would take me to court If I didn't pay. I told them that that this debt is past the limit of being a valid debt according to the statues of limitations. It was a payday loan from XX/XX/2011. Also, I have used that payday loan service since that debt charge-off. They said that openly admitted to the debt, this is valid but not a case that can be handled by XXXX county small claims court, or any other court for that matter. My work received a call today and asked my manager if I was prosecutable or something of that nature and left a number for me to call with a case number XXXX, XXXX. I called the number and it went to a answering machine telling me to leave my Name, reference number and number to call me back stating it was their " legal department. '' Also they called my mother the same day leaving the same message telling her that they had try to call me several times, fiction. I have not spoke to anyone since early XX/XX/XXXX about this and before that was unaware that the debt still was floating around. It isa n't on my credit report and I faintly recollect the debt and uncertain it is even a legitimate accusation.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Discover Financial Services in the past, but they have failed to give me a fair solution to my issue. I have a Discover account XXXX, Opened Date XX/XX/2013, Credit Limit {$1000.00}, Balance : {$0.00}, status : closed. 

Discover Financial Services has been reporting incorrect information to the credit bureaus. I paid this accunt several years ago and they are reporting a recent last payment date. Also, they have failed to provide me with an answer to my letter sent back on XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. 

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from Discover Financial Services and I want them to stop collection activity on this account that is already closed and paid. If they dont provide me with the deletion letter that I an demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. 

See attached documents sent to Discover Financial Services, which they ignored.