davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: ID Analytics, Inc. (CA)

I am writing this complaint to SAGESTREAM I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (GA)

I have a loan with SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
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. (TX)

Equifax has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Equifax has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I authorize any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


Summary of Accounts being challenged in list form XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt exists XXXX - Account XXXX I don't recall having late payments on this account XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I may presume that no proof XXXX XXXX XXXX debt nor therefore any such debt in fact exists XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2020-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I went to an attorney and payed him XXXX dollars. He took the money and did nothing at all. I gave him a fair amount of time and waited and still nothing.So I filed a complaint with Capital one debit card on XX/XX/XXXX. Called and told them what happened so two weeks later I called them and they told me I lost the dispute without " EVER doing a fair or proper investigation.Im shocked appalled and angry. Who on earth conducts an investigation like that is beyond belief. That is the utmost unprofessionalism I have " EVER ' seen in all my life as a consumer card holder. If I did a job like that I'd be fired, the bank employee show 's no character at all!
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I have a loan with ELAN FINANCIAL SERVICE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ELAN FINANCIAL SERVICE with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is really starting to annoy me. My name is XXXX XXXX. I am authorizing the disputes of several inaccuracies on my credit report from experian. Please stop closing my compaint and stating that you will not follow through with the investigation about my false credit report. Stop avoiding your job. It is getting extremely annoying and i am close to taking you guys to court. Seriously conduct a proper investigation on my credit file that you have been ignoring to do for over XXXX months already. 

EVERYTHING YOU NEED TO PROVE MY IDENTITY IS ATTACHED TO THIS COMPLAINT IF YOU WOULD JUST DO YOUR JOB AND LOOK. ITS NOT HARD.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (MI)

This company bought my debt. I never received any communication from this company. They mailed a letter to an old address. 
I want this account removed from credit report and the ability to pay the debt. I was never given this opportunity.
Consumer complaint received 2020-08-08
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)

I am writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make XXXX written request. This account must be removed as soon as possible. 

XXXX XXXX XXXX # XXXX Date fraud began XX/XX/2019 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws.
Consumer complaint received 2020-08-08
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. (NY)

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, XXXX  and Experian the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 my vehicle loan with XXXX XXXX XXXX was paid off in full, after the loan was paid off. XXXX XXXX XXXX decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX, Equifax and XXXX  the Charge off. 
On XX/XX/2020 I contacted XXXX XXXX XXXX of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 XXXX XXXX XXXX again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of XXXX XXXX XXXX misrepresentation reported to the bureaus.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase provided me excuses. Daily balance of {$1500.00}. very little people will afford such balance in CA. 
People work and pay their bills. Reality is that overdraft fees are too high and bank charge them without really see if they are correct or not. And when charge customer has no choice or said about it. Chase said we already reverse 2 fees which is our guidelines per yr. and if customer is been charged 10, per chase is guidelines their courtesy reverse per yr doesn't qualify that. 
I made {$1000.00} deposit after my complaint. Check written to myself was cleared from my credit union a week but hold in Chase side for 2 weeks, and even thought I have money for my bills chase kept overdraft me and charged me {$34.00} each transaction why I dont know. 
I went to the bank XXXX and XXXX each time waited early in morning in the cold for 1hr and half to correct the problem. But I kept deposit more money ( cash ) to make sure my transactions were covert. 
Chase couldnt give me any other explanation and told me that my only choice is to keep coming back and see them If, they will reverse overdrafts that been charged wrongly. 
Then I called and waited 1hr in the phone and talk a rude customer services name XXXX at customer services ( Will not provide me any other info about herself ). Very rude. I had 7 overdraft wrongly charged ( Because I had money but taken by Chase somehow were holding the funds ). XXXX told me that she will reverse and refunded only 5 charges. And If I want the 2 others I will have to call back. 
But even though he showed in my count that those 5 overdrafts were reversed the funds were short. ( See attachments ). Chase done this to me in the past. They correct the charges but the funds were not returned so my balances were incorrect, and short. Which of course overdraft me again.

I Called Chase again waited in the line for 1hr and 30mm without any one answer me.

The virus giving Chase an opportunity to abuse customer when government and all others companies are trying to supports people to make it. ThAT IS not right. 
My balance if the correct refund should be {$170.00}. Not {$68.00} chase is showing. 
I will like to have my money back from chase. 
Chase also always will find a way to take back what they refund. Customer cant win with them. Customer only protection is XXXX.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I recently viewed my credit report with Equifax and they my credit score is a XXXX, which should much higher. The balances reported on some of the creditor 's information is wrong and have not been updated. If I work hard to get my credit to a point to someday buy a home, The credit companies that report scores and credit reports should report as accurate as possible or don not report at all. If i am always held in the low XXXX 's, I will spend a lifetime struggling to get a home, as many of the people in the world. I need them to review and upgrade my credit score or I will organize a class action suit against this company, by petitioning others to join the suit to get a reasonable solution.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Hello, On XX/XX/2020 I checked my account balance online with Chase. At the time my balance was XXXX ... I went ahead and did a XXXX transfer from my XXXX account in the amount of XXXX for a check that was written but had not been cashed. When I updated and the transfer was complete there was over XXXX dollars in the account. I check my balance today it seems as if they backed out charges including my XXXX and updated charges and put them in a different order and it caused for me to have three separate NSF fees which I should not have had. I have alerts set up for when my account has a low balance via text and email. I never received it because my account was not below the threshold. I need my money to be placed back on my account during times like this banks should not be using their systems to steal money from their customers.
Consumer complaint received 2020-08-08
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 {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$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 XX/XX/XXXX and the subsequent response received on XX/XX/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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$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 XX/XX/XXXX and the subsequent response received on XX/XX/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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a Credit card Bank Check at BOA - ( in my name ) however It was from an older batch of checks they sent prior to me losing my credit card. Needless to say the check was returned. I was good with that  however they closed my account and threntened to report me to the bad check agency. When i asked about the threat they said they would not do that. Turns out they did report me so I was lied to. I would like to re-establish a new checking account. I have 23 years at XXXX XXXX  in good standing never bounced a check or was overdrawn for that matter. Because of the bad report I can not open another account anywhere! I'm beyond mad at this point. 

Ps. 

I have over {$180000.00} in a Bank of America ( XXXX XXXX ) account which they completely ignored
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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