davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

Card : Care Credit/Synchrony Bank I received the card offered by my XXXX XXXX office. I was making payments over the min balance when I noticed that the balance was not decreasing as it should have. I called CC and was told about the interest of {$220.00} and another interest of {$790.00} due in XXXX. I would not have known about this if I hadnt called about the balance.
Consumer complaint received 2024-04-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (NV)

I ordered a replacement card cause mine was expiring. I paid extra to have it customized. I get the card and it has my signature and my handle on the front but someone else 's name on the back. I call to try to get them to fix it and they said they can not. i do everything to prove who I am and explain the mistake. I even have my original card, which has my name on it correctly. 

They refuse to help me fix my name, speak to a supervisor or help in any way. They hung up on me 5 times, and I tried to be curteous, didn't curse and just wanted help as I'm not afraid someone has hacked my account. But nothing. 

I really need help this all happened on XX/XX/year> between XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

This is wish the company CashApp.
Consumer complaint received 2020-01-06
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. (CA)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2020-01-06
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)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/19 a credit that posted to my account was taken back in the amount of {$75.00}. Instead of my account being negative {$50.00}, the bank back dated the funds and charged an overdraft fee for each occurring charge after the back date and placed a negative account balance of - {$160.00}
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

Informed both lenders of rXXXX XXXX XXXXssues and was ignored on multiple occasions. specially informed Midland in XX/XX/2020 and was called a liar. 

Repeated requests for release of escrow and all fee plus interest payable to borrower who has incurred these expenses out of pocket. 

originating and transferring lender failed due diligence and servicing requirements resulting in a debt obligation that is misrepresented and payment coupons not correct as well all tax end of year tax documents.
Consumer complaint received 2020-01-06
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. (IL)

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX, that I owed {$20000.00}. I then, IMMEDIATELY sent a certified letter asking for validity of the account before XXXX XXXX could assume the debt as mine. On XX/XX/XXXX I was notified by Transunion that the debt was now on my credit file. I then IMMEDIATELY sent a certified letter to Transunion asking for an investigation. On XX/XX/XXXX I received documentation from XXXX XXXX but it was not proving evidence that I made these such charges. I then asked for further information concluding that I made these such charges. I received nothing. I then sent a certified letter asking Transunion for a " reinvestigation '' and upon days of receiving it, they again concluded it was my debt but how? The lease states " XX/XX/XXXX keys on counter '' so how can you assume charges that were assessed over 5 months later on XX/XX/XXXX to be charges made by me? Anyone could have made those damages including vandalism. This evidence was not conclusive. Even with me pointing out the error, Transunion is still reporting the debt as mine. XXXX XXXX has not provided adequate proof that this debt is mine so Transunion should not be reporting false information on my credit file.
Consumer complaint received 2020-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX, I was an absentee minor resident, away for college. The Lease was over in XX/XX/2018. I have gone to the companies credit bureau, and the company has refused to respond to any request made by the bureau to have this issue resolved.
Consumer complaint received 2023-03-01
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. (CA)

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 XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 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 2023-03-01
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. (VA)

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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX 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 2021-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

Hello : I am disputing this debt : Jefferson Capital System : XXXX XXXX for {$1200.00}. I am unaware of this debt nor have I received any notification attempting to collect this debt. According to my credit report this account was opened on XX/XX/2019.
Consumer complaint received 2019-12-28
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: ONEMAIN FINANCE CORPORATION (NJ)

The following accounts from ONEMAIN inquirydate XXXX, XXXX CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

Please be apprised that XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Consumer complaint received 2020-01-06
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. (FL)

THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Santander Consumer USA ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX XXXX You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Consumer complaint received 2023-02-25
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. (TN)

I didn't authorize or give any permission to these company pulling my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
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)

I HAVE NOTIFIED THE CREDIT REPORTING AGENCY Equifax THAT I AM THE VICTIM OF IDENTITY THEFT ON several OCCASIONS AND a fraudulent ACCOUNT REMAINS THE CREDIT REPORTING AGENCY Equifax IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$280.00}.
Consumer complaint received 2019-12-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (FL)

I made the mistake of co-signing a Sallie Mae student loan with my Grandson. After a miserable year of dealing with them, the loan was paid in full. 

Apparently, my granddaughter has a loan with them and my wife and I ( both in our XXXX 's ) are in no way involved with that loan. Sallie Mae has called both me and my Wife about contacting my Daughter and Granddaughter about the loan. 

If the calls are not in violation of law, they are a form of harassment and a collection practice that should not be permitted. I will not be involved in the collection of any loans that I am not a party to. Secondly, we are both on the National Do Not Call list and it seems as if these calls are a violation of that Federal Law.
Consumer complaint received 2022-12-26
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)

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was 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. 
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