davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (KY)

I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?
Consumer complaint received 2022-05-24
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. (SC)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-06-12
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: Santander Consumer USA Holdings Inc. (AZ)

I have disputed the Santander USA account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account XXXX just sends back a notation that the account has been updated. And trying to reach a human being at XXXX is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because XXXX   infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to XXXX after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned Santander is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-13
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a checking account with US Bank on XX/XX/2022. I used the opening account bonus offer of {$500.00}. I met all the requirements of direct deposit and keeping the account open. I was promised a deposit of {$500.00} within 2 weeks of meeting the requirements. It has been over 4 months since I met the requirement but never got the bonus. I called and followed up around 12 times with the bank where I opened the account. They promised me I will get it by early XXXX but I never did.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (IL)

Spoke with the servicer, Ocwen The last reported date was XXXX, Its the middle of XXXX. Called to see why and they told me that they only report on a quarterly basis. That seems to be outside of the guidelines which is 60 days this si the second time I had to file a complaint with CFPB.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank sent me a letter that I opened a credit card on XX/XX/2019 but I did not open or use their services. Over the months they sent some letters said I owe them money and sent debt to debt collector, they sent me some letters and asked me to pay the debt. This is harassing me and make my credit score dropped badly.
Consumer complaint received 2022-05-24
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. (SC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-24
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)

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Ithink financial credit 3x XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Every time that I pay the statement balance I call them e they said that the next mont will be zero, but the next month come always come another bill and it has been 2 months already and I can't keep paying so much, I have no money for that. And now that I requested to cancel and close my account nobody answer on the chat neither on the phone. 

I would like to this issue to be solved and my account closed, please. 
Carecredit is a scam! It's ridiculous.
Consumer complaint received 2023-02-26
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: LCI Acquisition Inc. (TX)

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/XXXX for a debt that was never owed with an innacurate amount and bought from another company when I never signed any documents this debt collector that must be removed as soon as possible having no responsability of the debt. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX XXXX XXXX last date of the last activity Date XX/XX/XXXX account number XXXX has violated my rights. 15 U.S.C 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 an account without my written instructions.
Consumer complaint received 2022-05-24
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. (CA)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX have violated : -15 U.S.C 1681b ( a ) ( 2 ) = consumer reporting agency can not furnish consumer report without written instructions of the consumer -15 U.S.C 1692c ( a ) = Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/25, I deposited a check {$500.00} via mobile banking on capital one. I contacted capital one on the check was deposited to see if they would be able to release the deposit or part of the deposit earlier than than the next business day hold. Capital one refused to release the funds earlier. I then requested that they void the deposit, so I could take the check else where and get it cashed. The supervisor stated that he was unable to void the mobile deposit. Please note, that we have been waiting on the check for over a week and needed funds to buy groceries for my family and dog food. I only requested {$150.00} to be released. So capital one is holding the check XXXX now until Tuesday in the meantime I have no funds to feed my family. No suggestion to help me resolve the issue. The only thing they could tell me is that I have to wait until Tuesday to get my money. That is unacceptable! They should have been able to stop the deposit if the check had not been process yet. The check on the app states that it is still pending. Future more, the the check will not be processed until Monday. Again no reason the they could not stop the process. Banks should not be allowed to hold your funds XXXX like this especially if the customer calls in a request that the deposit be voided.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-05-24
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: Experian Information Solutions Inc. (AL)

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The company never responded in the matter of CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is XXXX, EQUIFAX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people.

These are clear violations of my rights.
Consumer complaint received 2022-10-13
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)

My name XXXX XXXX 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 2023-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (PA)

I opened a checking account on XX/XX/2002, at XXXX XXXX XXXX, XXXX, PA XXXX at PNC bank. There was a promotion related to opening the checking account which offered a {$400.00} credit if I opened the " Virtual Wallet Spend '' and fulfilled all the requirements. I met all the requirements and PNC Bank confirmed my eligibility. 
However, they declined to credit me with {$400.00} since I had opened my account at a branch that did not participate in this promotion. This was never communicated to me, nor was it disclosed in writing. Additionally, I had asked several times about the eligibility for this promotion, and the person who opened my account confirmed that I would be eligible once I met the requirements, which I had done. 
PNC Bank 's attempt to take advantage of customers on their bank accounts is a wrongdoing on their part. I am not the only one who has been affected by PNC Bank 's illegal activity, and this issue should be addressed.
Consumer complaint received 2022-10-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Experian and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this fraudulent account affect my credit score. I already contacted the furnisher and they approved of deleting the account from my file. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. They became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Confirmation or Investigation. I am an identity theft victim and I want you to do your part and DELETE this item that caused me so much stress. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (KS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.