davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment. 

Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway. 

Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (WI)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For Experian : 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 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have been a customer of Santander Bank for over 15 years. On XX/XX/XXXX, I attempted to use my debit card to pay for a {$6.00} parking fee and my card was declined, yet I knew I have about {$200.00} in my checking account. Same day when I got home, I called and learned that {$220.00} had be deducted from my checking account, which I had not made or authorized. On XX/XX/XXXX, I followed up with Santander 's Fraud Department to inquire about the unauthorized deduction from my account. I was told that I had authorized an electronic external transfer via online banking in the amount of {$220.00} to a XXXX XXXX on XX/XX/XXXX. I told the Fraud Dept. Rep, that I absolutely did not authorized any electronic transfers to XXXX XXXX, because I do not do online banking with Santander at all, and I certainly did not know or authorize a XXXX XXXX, to do an external transfer withdrawal from my account. I was told by the Fraud Dept. that on XX/XX/XXXX that someone changed my phone via online banking to XXXX on my account, and it absolutely was not me. I told them that I never authorized or changed my number via online banking account, because again, I do not do online banking with Santander Bank. I attempted to resolve this matter four times and three times via the claims process on or around the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, once in person at my local Santander Bank Branch on XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX and all attempts denied the return of my {$220.00}, which was an unauthorized withdrawal from my Santander Bank checking account.
Consumer complaint received 2017-10-26
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. (CO)

XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I have written multiple dispute letters to XXXX, whoever they are, and they have sent me nothing in the mail at all! I thought I was entitled to the information that was being reported to the credit bureaus about me! I understand the holidays XXXX have caused some kind of mail errors, but not enough to stop them from sending anything to me at all! Since they've violated my rights, I'm complaining about them to you because I believe you retain proper jurisdiction over the matter. They have violated the FCRA by not sending me anything at all. DELETE THE ACCOUNT Immediately! HELP ME!
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (GA)

I received a copy of my credit report and am disputing information concerning my payment history. Since XXXX I have been disputing the accurateness and recently again there was an oversight on my account which has prompted me once again to make my final attempt to rectify this problem. 
I am writing again in an effort to correct the derogatory statements on my credit report. 
As I stated I have contacted customer service on several occasions and was finally instructed to send a copy of my report so that it could be fixed because they were not aware of this problem. I sent via fax provided and email XXXX and again XXXX. 
While on active duty in the XXXX XXXX I opened my account, I opted for it to be deducted from my bank account to ensure on time payments. I was told it would be and initially I did n't have any problem because the payments were deducted as you can see with a review of my account. I medically retired from the military in XXXX and choose for the draft out of my account to continue and even upon military out processing my account was current because you can not discharge from the military with a debt. I am currently attempting to purchase a home for me and my children and was made aware once again of the derogatory statements listed on this account. This problem was to be resolved but yet again on XXXX XXXX XXXX I received correspondence that my account was past due. I was frustrated again as the agreement was that an automatic payment would come out monthly- which it indeed was. I was told that it would adjust to the balance on my account. After hours of painful waiting and multiple customer service attempts I was able to get someone to look into it and once again fix the problem- I was told they did n't make it self adjust. I say all that to say this- the times were not in fact accurate that I was not making the payments or late .... because they were set on auto draft and with the help of customer service this system/operator error was found. I am asking that you please fix my credit reporting to reflect that payments were indeed made and no late past due XXXX days as shown. As for the amount, I should not be held accountable for something beyond my control. In addition I never received any correspondence that it was n't being paid. I do n't know where it would have been sent to because I relocated from XXXX XXXX upon my retirement and home of record was provided. As you can see I have had no issues with paying my account and was even denied an increase due to this negative reporting on my report. I have served this country and value the honor and respect I give to others and attempt to pay all my debts as promised. I would greatly appreciate this matter to be resolved quickly and would like to say thanks in advance.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a third credit card from XXXX XXXX XXXX that I don't have, with a credit limit of {$9500.00}. 
I try to contact Experian and XXXX  XXXX XXXX several times to have a explanation about this card in my credit score, Experian never showed this card on my credit score before. 
I received a e-mail from XXXX XXXX and Experian on XX/XX/2023 saying that I owed more than {$9000.00} from a credit card that I never seen. 
And I lost XXXX points from my score because of this card. Experian is the only website reporting this credit card. 

I opened a report before and XXXX  XXXX XXXX send me a e-mail saying that they confirmed that I have 2 credit card from there, but Experian still reporting another card from XXXX  XXXX XXXX that I don't have. 
And I'm still waiting for a answer because my score is locked and low since XXXX and I'm trying to buy I house
Consumer complaint received 2024-01-17
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)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX acct XXXX date opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. acct XXXX date opened : XX/XX/XXXX. Fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-01-31
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)

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these 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 And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
Consumer complaint received 2018-06-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me
Consumer complaint received 2021-01-21
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. (NY)

I made all my payments on time with XXXX XXXX bank also known as XXXX. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the Experian and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NY)

I made all my payments on time with XXXX XXXX bank also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

I applied for an Amazon Visa card about two months ago and was rejected. Upon checking the status a few weeks later there was a message I would be messaged as to why I was rejected but never received anything in the mail as to what the reason for the rejection was.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (OH)

Hello. Approximately 6 months ago I refinanced with NFM Lending. They are currently servicing my loan. At the time of the refinance, my property taxes were approximately {$15000.00} a year. Almost immediately after the refinance my property taxes were reduced to approximately {$11000.00} a year. I have made multiple efforts by phone and email to NFM to have an escrow analysis done to ( 1 ) adjust my escrow payments accordingly as I am paying around {$400.00} a month too much into escrow and ( 2 ) refund my escrow overage. Nothing has happened.

The tax adjustment was retroactive, so there is also a credit with my county which I have been asking NFM to apply to my next tax payment, as the county will not issue me a refund, only a credit or a refund to my previous mortgage lender. I provided NFM an email from the county treasurer 's office to me in that regard. NFM has been equally unresponsive in assisting with that. That credit is approximately {$7000.00}.

In communications NFM referenced its " escrow department. '' I have asked for a contact at the escrow department or some way to get movement on what seems like a pretty simple issue. I was told there was no contact info they could provide me with for the escrow department.

Any help would be appreciated.
Consumer complaint received 2024-01-17
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. (PA)

I am writing to delete the following information in my file. 
XXXX XXXX XXXX The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-13
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.