davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (KS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX - XXXX, XXXXXXXX XXXX - XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXXExperianXXXX As of XX/XX/2022 XXXX you are in possession of a consumer report with my identifiable personal information, name, address, social security number, and place of work. 
The consumer report you have built with my identifiable information, contains personal financial information in connection with transactions or experiences between me the consumer and the person making the report. This consumer report you have created also explains numerous authorizations or approval of specific extensions of credit that came about by a credit card or similar device. 
All transactions on my consumer report are extensions of approved credit, that are reported on monthly by the person ( s ) who approved me for those transactions of credit. 
The credit device or similar device used in the origination of these accounts would be my social security card, which is obviously a credit card by definition. 
The term credit card means any card, plate or coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include : a report containing information solely as to transactions or experiences between the consumer and person making the report. 
Also, Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include : ANY authorization or approval of a specific extension of credit directly or indirectly by the issue of a credit card or similar device. 
All the accounts on my consumer report are approvals of credit, and they without question experiences between the consumer and the person making the report. 
XXXX you are in violation of or both. 
Please remove following approved extension of credit from my consumer report, they originated from a credit card or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (WI)

To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with XXXX XXXX XXXX. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his XXXX to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

Franklin Mortgage started foreclosure on my property. Franklin Mortgage admitted fault per the attached exhibits. Franklin Mortgage and their foreclosure attorney from Utah, XXXX and XXXX, also stated that the delinquencies would be removed many months ago. 

This has gone on now for over 2 years and they negligently continue to negatively affect my credit and financial well being. 

The disregard for decency by this lender and lawyer is detrimental to their customers and unacceptable by any standards.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank, the issuer of my XXXX Credit Card, lowered my credit card for unjustifiable reasons, which of course had a negative effect on my credit score. I asked them to restore my limit or close the account. They refused to restore my limit, so I paid my balance in full on XX/XX/2020 and on XX/XX/2020 called and closed my account. I was assured my account had been closed. I had a XXXX   balance. This morning I received an email that I have a new statement. I logged in. My account is still open and they have charged me fees. I have since checked online and this is a recurring theme for this company that many people incur and fight for months to get their accounts closed while being charged fees they do not owe and the company reports negatively on their credit reports. I will NOT tolerate this! This company is a scam and a fraud and someone needs to correct this!
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AR)

On XX/XX/XXXX I moved to AR from NY. There are no Chase branches or ATM machines here. I have been Chase checking customer since XXXX  ( I believe ). I called Chase to close account on XXXX and I followed up with secure email through their website with the request. I was told that I will get remaining balance check to my new address that the rep changed. I have not received any check and today is XXXX. I tried logging to my chase account which should still be possible since I have a credit card with Chase that was listed under my login and the mortgage application that was also accessible after logging. It turned out that Chase decided to wipe out my account and not just checking. I lost access to email history, statements and mortgage application. They revoked my access all together. I tried calling but none of reps were willing to deal with issue so they got me transferred were noone picked up phone and then got disconnected. I filed BBB complaint and nearly XXXX weeks after XXXX  complaint received call from executive office ( I believe her name was XXXX XXXX XXXX ext XXXX ). She asked me several times for my name and address they have on file. I told her she can access my emails and requests to verify information requested. She said she works for XXXX office and has no access to check anything on my account then started telling me she cant hear me and hang up. She didnt call back after claiming bad reception despite having my contact from XXXX  and calling me before. Why is Chase hiring people or assigning people to cases that are not capable of helping and resolving issue? Is Chase withholding money to make interest rate? I think that Chase should be addressing issues promptly with satisfaction and not delaying given the access to information this bank has they shouldnt be making any issues and their reps whether executive or not should be able coordinate assistance to customer satisfaction and not treat you like trash and unworthy of any help.
Consumer complaint received 2021-07-07
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: WELLS FARGO & COMPANY (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2022-12-14
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-22
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. (CA)

I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I bought something from XXXX XXXX XXXX XXXX  ( XX/XX/2021 for {$42.00} ) using my Victoria Secret XXXX XXXX I made a payment after a " fee '' was put on the account. I was charged a late fee of {$29.00} on XX/XX/2021. I made a payment of {$42.00} and since then the bank has been charging me late fee over late fee with minimum interest. I owe the bank {$0.00} for the purchases I made. But they keep charging me late fee. I'm over {$250.00} in late fees now and its dropped my credit score by XXXX  I think it is illegal for the bank to keep charging people once they have paid for the goods they purchased. Ive been their member for 15 years and this was the first time I missed a payment. Only if their portal wasn't so dated and would allow automatic payment or even send you ebills when due.
Consumer complaint received 2021-10-15
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. (LA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sweep Regular I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX XXXX XXXX, IL XXXX XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXXXXXX XXXX XXXXXX/XX/2021 XXXX  XX/XX/2021. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-05-02
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-15
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: WELLS FARGO & COMPANY (WI)

RESPONSE TO UNRESOLVED COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did. 
My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}. 

As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available. 

I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX. 

When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped. 

***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}. 

The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds. 

As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %. 

I appreciate any help or insight you can offer.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (OH)

Express recovery XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and inconsistent date opened. 
Inaccurate and inconsistent date last reported Inaccurate and inconsistent date last active Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.