davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: Santander Consumer USA Holdings Inc. (AZ)

I've reached out to Santander Consumer USA and i tried to fix the issue and concerns i had on my consumer report. Santander Consumer USA never send me a 1099c to be able to file with my taxes as income and proceeded to continue to report Acct # XXXX This company violated me in so many ways it's not even funny. 15 US Code 1681 ( b ) Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. you have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a speaks on a consumer right to privacy. Things that aren't supposed to be on a consumer report Information solely as to transaction or experiences between the consumer and the person making the report -Consumer- is an individual ( Me ) -Person- Any individual partnership, Corportation, government or governmental subdivision or agency, or other entity. 
Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. 
This company have continuously violated my right to privacy and said they can report anything they want. I've I didn't want to file the complaint because this a great company, but right is right and wrong is wrong and I'm not going to continue allowing this company to do me wrong. This problem has caused all kind of hardship in my life I'm already on XXXX XXXX XXXX XXXX  XXXX ) and this have caused me so much damage when it comes to my health and my personal private information just get reported because they want to, I have rights. I asked this company for Validation of this account so I could make sure that what they are saying is reported correctly and i told the company that I didn't want a E-Oscar Verification and that its unlawful for them to use information submitted by the furnisher of the account. That they are supposed to conduct personal interviews with family, neighbors, and loved ones. Not the information submitted by the furnisher. It's against the law. According to 15 US Code 1681 ( n ) Civil liability of willful noncompliance I'm entitled to compensation XXXX dollars or greater per violation. I think with this company and a lot of companies need to be able to know and understand the law before they can just go into business and think they can break and violate people 's rights. I asked the company for an SSA-3288 to show me that i gave your company actual permission to report to my credit every month. If this company could show me a contract or an agreement that i signed that they are going to report to my consumer report every month. Because a contract supposed to be with the original creditor and signed by all parties involved.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and 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 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Someone who is not me used my email address for a checking account and debit card with Chase. Chase has been sending me notices, including most recently a fraud notification notice, to this unvalidated email address. Although the account is not tied to my SSN, I am deeply uncomfortable with Chase sending fraud notices to unvalidated email addresses! Please follow up with Chase to let them know that they are putting their customers at substantial risk! 

( I am a Chase credit card customer, but do not have a debit card or checking account with them. )
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

The complaint is regarding my Chase Sapphire Preferred Card and ability to file customer complaints with Chase. 
1. I had a reservation booked with points at the time I closed my Preferred Card. It was voluntary closure as we decided to open Reserve card in stead. As my travel plans changed, I had to cancel that reservation. Chase declined to give me back points worth ~ {$450.00} that were used for the canceled reservation or to transfer them to my new card. Stated reason was that rewards not used withing 30 days of cards closure are forfeited. However, I started attempts to claim the reward points or cash equivalent back immediatly upon canceling the reservation. 
2. Chase does not give customers ability to open complaints and track their resolution. When I attempted to file complaint regarding the above issue, I was told that when/if Chase representatives create complaints, they send them elsewhere to be processed. They do not give complaint numbers to customers to allow following up on resolution. There is no way for customers to know if complaint was actually filed, and no way to learn how it was resolved. Moreover, it was only from the third representative agreed to file a complaint on my behalf and the two just flat out refused.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I was the victim of multiple credit card fraud via a HomeDepot/Citibank card. This fraud was timely reported to Citibank on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a 100+ point drop in my Credit Score and is due to a negative remark reported to XXXX by Citibank on one of these fraud accounts ( THE HOME DEPOT/CBNA # XXXX ) I contacted Citi and they told me they can't do anything since they sold this account to GC Services collection company. 

I need Citibank to contact XXXX  and remove this remark since it was a fraudulent purchase. 

I need XXXX  XXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need Citibank to send me a check with the {$120.00} credit I was debited from my account during the fraud.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc. (FL)

This is the second complaint I have filed because Optimum Outcomes has not complied with Consumer laws. On XX/XX/2021 I sent an Affidavit of truth, validation of debt and other documents which were received on XX/XX/2021 by Optimum Outcomes for violations committed against me as a consumer. I also submitted a complaint to which they have not provided any answers nor any remedy. They had 30 days to respond and provide a validation and still have not complied. They are also in violation pursuant to 15 USC 1692g ( a ) ( 4 ) by taking action on an unverified debt. It is now XX/XX/2021 and I still have yet to hear from Optimum Outcomes. On XX/XX/2021 I sent an opportunity to cure letter which they received on XX/XX/2021 asking them to please provide remedy or legal action will be taken against them and they still have yet to respond. They continue to violate with complete disregard of my Consumer rights. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ) Optimum Outcomes is responsible for providing remedy ( {$1000.00} for every violation ) due to their carelessness and failure to comply. This matter has to be resolved.
Consumer complaint received 2022-08-22
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. (NJ)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. According to the U.S.C 1681 Section 602 A. States i have the right to privacy.
These addresses do not belong on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (UT)

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. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2017-11-14
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. (CA)

A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (RI)

We closed on out mortgage on XX/XX/2021. We had a number of credit accounts that were included to be paid off. Within those accounts, was an account owned by my Ex-husband, listing me only as an authorized user. I did not realize this, as our actual account numbers were not listed. 
I have been trying to recover these funds ( approx {$2200.00} ) from Rocket Mortgage, who ultimately is simply keeping these funds. 
I have been removed from my ex husbands account and this is no longer listed on my credit report. I have sent Rocket mortgage a letter from XXXX XXXX explaining this. The account is not on my credit report, so there is no way to prove this on my credit report! 
Rocket Mortgage refuses to assist and is holding these funds! I would like to receive them or have them applied back to my mortgage. Also, interest!
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CO)

In the beginning on XX/XX/2018 I called to refinance my loan. I was advised by ditech that my interest rate on the current loan was too low and I should have ab appraisal done when my loan reaches 2 years. In XX/XX/2018, icalled ditech and they asked that I send them ab email. I sent an email requesting they remove the pmi form my loan. They sent an appraiser XX/XX/2018. I recieved an appraisal that my house value increased {$35000.00}. Ditechs denial letter states that the value of my house has declined. They sent me in writing a factually incorrect reason for denial wilfully and with full knowledge that my property had not declined in value. I am happy to forward any documentation requested XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

I decided to close my Citibank checking account. I wrote myself a check for the remaining {$5000.00} and deposited to my XXXX XXXX checking account. A few days later, I logged in to XXXX XXXX  and saw the deposit and {$5000.00} available. I logged in to Citibank and the balance was {$0.00} ( as expected ). I then made the lengthy series of phone calls required to close the Citibank checking account. A few days after this, XXXX XXXX showed the {$5000.00} deposit had been returned along with a {$19.00} fee for bouncing the check. I logged in to Citibank and my transaction list shows NOTHING RELATED TO THIS and the balance is again {$5000.00}.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and I am the author of this complaint. 

The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you - Equifax, may require. 

The issue - 1. My Physical Home Address continues to be updated at Equifax  2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX - is not, my current address 3. This has been disputed to Equifax - and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted XXXX. The Last Reported Date, for the Address in XXXX NJ - you EQ - store, is XX/XX/2021. 
11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. 

The impact to me is devastating. 

Communications, and the like, validation of who I am - is impacted by this fraudulent data.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (WI)

On XX/XX/2019 I contacted Discover Bank regarding an error on a custodial account for which I am the custodian. I became aware of this error when I receive a 1099 in the mail for an account that should not have one. Discover apparently backup withheld on this account even though they had a valid TIN for the minor and all the proper paperwork on the account. 

I requested that they reverse the transaction and correct the 1099 with the IRS. They refused. 

All that was offered was to credit the amount back to account as a " courtesy '' and advised me to consult a tax professional about how to handle the 1099. They claim there is no way to correct the 1099 error, which I find very difficult to believe. It is far more likely that they don't want to deal with the hassle for an IRS correction. To put the onus on me, to hire a tax professional to deal with this is absurd. They actually attempted to blame the situation on me for not noticing the very small withheld amount during XX/XX/2019 and said I should have reviewed my statements. Again, ridiculous. This is a custodial account for which I made a couple deposits each year as gifts to my niece. I trust that my bank will handle the account correctly and should not have to monitor for their mistakes. 

I am asking the CFPB to intervene and prompt the bank to make the correction they are responsible for. 

I did not upload a copy of the 1099 as it contains sensitive personal information and I am not certain of the data security over this communication. I have several custodial accounts for family members, so I will identify this as the account belonging to XXXX.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

I have tryed calling only to have the computer refuse my call and left messages thru my paypal and not one reply. I am talking aboiut Paypal and a refund from XXXX XXXX XXXX I am trying to get out of paypal thats allready been refunded to me thru paypal. 
There inaction and puting a hold on a refund and claiming it is a sale when I dont sell is all intentional and wrong. I am so sick of Paypal and just need to pickup a refund and not be harrased by there workers. I am ready to file a complaint with Minnesota Attorney General as there out oif line.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has biolated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have 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.

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. 

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 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-07-31
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2022-08-06
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)

In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few years, I have made several attempts to remind you of your duty Pursuant 15 USC 1681. It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making another attempt to have these errors remedied on my consumer report. Credit file received on XX/XX/2022 contained 9 deletions which in essence is an admission of guilt using my credit file negligently, illegally and improperly.
Consumer complaint received 2022-08-06
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. (GA)

I have sent letter to all 3 Credit Bureaus XXXX Equifax XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my 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 ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( Equifax & XXXX ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX ( All 3 Credit Bureaus )