davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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. (FL)

Hello, I have called XXXX XXXX XXXXk on numerous occasions in regards to my account. On my credit report, it is showing that my account is closed when in fact my account is open and accruing interest fees. I called many times, submitted disputes with each of the credit bureaus and to no avail. The disputes I open, are closed within a matter of days, and closed with the following " closed at consumers request '' I called in a couple of years ago to cancel my account due to how they were treating me when I wanted to dispute a charge that was on there incorrectly. I ended up speaking with a supervisor who convinced me that it kept my account open, the charge would be handled appropriately. 

Since then, it has been reported that my account has been closed when in fact it is still open. This is very inconvenient for the simple fact that I have a closed account on my credit report which affects my score in a negative way when my account is open and active.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago Trans Union chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while Trans Union is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (CA)

Went to Macy 's and employee offered me an opportunity to apply for credit - I advised the employee that I had a freeze on my credit report and that I would have to remove it in order to apply for credit. She concurred and I removed my freeze for 2 days. ( XX/XX/XXXX - XX/XX/XXXX ) It was made clear by the employee, and I know this too, that when I UNfroze my report, I would have to show my ID and they would have to verify me, in order to obtain credit. 

I proceeded to have the Macy 's employee run my credit. Upon running it, she advised me that I need to call credit services as I was denied. I was disappointed and insisted that she please call Macy 's to speak to someone and verify me to approve me. My credit score is excellent, in the XXXX 's and I knew that wasn't the issue. 

The laziness of the employee and her not performing her job/due diligence, is what I have an issue with. Would she have done her job, made the phone call and verified me, I wouldn't be in this predicament and the inquiry would be valid ; that never happened. 

The inquiry is unjustified, due to the above unraveling of events. If this is not removed, as, I have already requested from Macy 's ( ATTACHED DOC ), I will pursue legal action and monetary penalties as this is unjust and unlawful.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

The 2 accounts that my wife and I have with Chase were restricted on XX/XX/22. We received no notice about this action. We attempted to call the evening of XXXX but had no luck through the automated system. The morning of XXXX I made contact with customer service and was told everything to submit a SSA 89 form along with social security cards for both my wife and I to have the restrictions lifted. We completed this by noon on XXXX. My wife and I also were both supposed to be paid on XXXX. We once again called and were told that everything was being processed and that Chase Bank was holding our paychecks until restrictions were lifted. My wife and I both had trips we had to make out of town and we have been denied access to our accounts as well as having our paychecks held for ransom for 5 days ( thus far ) and have no idea when they will finally decide to unfreeze our accounts. We have been unable to pay our bills and have no access to our account for gas, groceries, etc. It is unacceptable to restrict someones access to their account with the money that they earn and need for normal daily uses.
Consumer complaint received 2022-09-17
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. (IL)

This is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


US BKPT CT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018
Consumer complaint received 2023-03-22
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. (SC)

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. 

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # 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 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

XXXX XXXX XXXX sent me a letter for a PayPal debt of {$200.00}. I dont have a PayPal account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

My wife and I have separate Venmo accounts. Her account is linked to our joint checking account. I tried several times o transfer a Venmo balance to the same checking account, without success. I kept getting the message " error form submission ''. After spending a half hour on chat with Venmo I was told that only 1 venmo account could be linked to a bank account. We have a debit card attached to that account. I should be able to transfer the money through that account. The Venmo person admitted that this may be a glitch in the app. I couldn't find any documentation on the Venmo site that describes this.

My complaint is that the service did not perform as described. I am not seeking recourse ; just sharing this as misrepresentation on the part of the service provider. 

I resolved the issue by sending the money to my wife.
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

On the date of XX/XX/2021 Santander consumer USA illegally processed an unauthorized ACH on a returned check, this caused my checking account to be severely over drafted impacting my living situation. Not only was this done without my authorization, this re-presentment of a hand written check that was almost dated a week ago and already returned for insufficient funds, was illegitimately processed a 2nd time causing an unnecessary financial hardship. Practices such as this seem not only unfair but deceptive.
Consumer complaint received 2022-12-09
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: Regional Management Corporation (GA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card and open - end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

XX/XX/XXXX I opted to purchase a set of wheel and tires from XXXX  XXXX XXXX XXXX, located in XXXX, Ca using their finance services through American First Finance. I paid {$800.00} upfront on an invoice of {$22000.00}. The only documentation received was the receipt and work order, no written terms or conditions for the loan ; the salesperson stated I would be contacted with the details. I thought nothing of it since I planned on paying it off within the month. The purchase was to ensure my vehicle was properly functioning for a work related cross country trip, from California to Maryland, over 2 month duration. Upon my arrival to Maryland, I contacted my bank to establish automatic electronic payment, it was then I noticed one was already set-up to be paid to American First Finance. To ensure the details I called American First. I inquired if the amount would cover the entire amount and payoff in time, the technician assured me it would. I thought nothing further. In early XXXX I noticed the funds were still being withdrawn from my account, I wasn't alarmed at that point, I assumed I would be refunded the difference. At this juncture I paid {$1700.00} on a beginning balance of {$1400.00}. I contacted American First, again not alarmed because I believed I would received a refund of the {$260.00} that was overpaid ; when discussing with the American First representative stated that I owed them based on past due. How can this be?? It was then the actual interest rate was divulged, $ 140 %. I was aghast. I stopped payment with my bank. I attempted to rectify with American First on numerous occasions, with the same result that I owed them. The only issues rectified, I was told that all further customers using this vendor would receive the finance details upfront, unlike myself. After more attempts to rectify with American First along with complaints to the Better Business Bureau, I still have the demand for payment, now at over {$1700.00} and an unfavorable credit report. As a Contracting Officer for the federal government I am thoroughly familiar with terms and conditions along with compounded interest rates. As a consumer I would have never accepted this credit line knowing the details if provided upfront. I was also dismayed their representative deceived me by stating the electronic payment amount would suffice in paying off the loan within the required 100 days in order to avoid interest. I have attached the receipt and work order, the only documents provided me when making the purchase. I was finally provided the details of interest during the Spring of XXXX, almost 6 months after the purchase.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted a complaint to Experian about incorrect information being reported about me on my file. I have been in dispute for ONE item for the past XXXX months. The dispute is for a late payment that happened back in 2018. After speaking with the original creditor, XXXX XXXX, has applied the payment to the following month instead of the month that I was making the payment for, causing the late reporting. Well shockingly enough XXXXXXXX XXXX can not update the information on their end .... as a creditor I find this to be lazy and just unacceptable. If you, the creditor, were able to report the wrong information, you should be report the correct information, especially when it was the creditors fault. I digress. 
Upon many supervisors telling me the same thing, I submit a dispute with Experian, with proof of statements with the XXXX letterhead about the error. Experian, has conducted a terrible investigation because it completely disregarded the statements and said the information was verified. ( Being late ) How can you verify something without showing me WHY it's verified, who you spoke with and when, and what documents did you show me that you have received from XXXX verifying that I was late? Because I have sent YOU ( Experian XXXX the documents supporting that I was not late. 

I am not the only one who is having issues with this. I'm sure if enough people came together about the neglect for this terrible system, multiple class action lawsuits would come from this. 

My only anger is that I'm providing proof about the matter and not pulling a lie out of thin air.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (WV)

Experion charged my XXXX XXXX credit card XXXX for a Experion membership on XXXX XXXX. I called XXXX XXXX to dispute the fraudulent charge. I have in the past ordered services from Experion credit reports. I did not start a paid membership or a subscription. Experion just charge my credit card account without my agreement orauthorization. I have had to make hours of phone call requested another card sent to me. Conference call withExperion and XXXX XXXX to cancle a quote memebership that I did not sign or authorize. The phone number for Experion is so bad. I have to lie to the automated system and tell them I am business to get a human being to answer. Experion is a credit bureau their business model and the way they do business is criminal. The government needs to step in and make Experion pay for its corrupt business practices
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (PA)

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX 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 consent
Consumer complaint received 2021-02-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mom had her XXXX money stolen. Thursday, XX/XX/2021 {$900.00} was wayhdrawn without authorization, leaving {$14.00} dollars. 

We put a complaint with Bank of America on XXXX, they said they would mail something, but have not reviewed follow up. 

We made a police report In out city of XXXX, but they did not want to file because they state the fraud was made out of town. 

We filed a complaint of unauthorized withdrawal of {$900.00}. XXXX then froze / suspended account. To call XXXX @ XXXX XXXX XXXX to talk to level 2 supervisor. 

We have been calling to talk to XXXX further, but calla keep ringing. 

We received a new XXXX card, but the XXXX claim has been suspended due to the fraud complaint we placed and we are unable to see details of our XXXX account. 

Our {$900.00} was stolen within a day, please help. Thank you God bless
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Charge Interest {$160.00} on a balance of {$10000.00} shown on statement can't prove how the total balance of {$10000.00} come from. 
According to the current billing statement due at XXXX XXXX, 2021 & XXXX XXXX, 2021, there is no over due balance of {$10000.00} subject to APR 18.24 % for the interest charge of {$160.00}. 
As a card holder of me has been contacted to Customer Service at XXXX XXXX. XXXX, and still can't get any info. from American Express about the balance of {$10000.00}
Consumer complaint received 2022-07-18
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX  ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.
Consumer complaint received 2019-08-27
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.