davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SLM CORPORATION (SC)

I XXXX XXXX opened 2 High-Yield Savings account XXXX XXXX XXXX XXXX XXXX  online sometime in XXXX XXXX XXXX. Upon opening the account I transferred money into the account from XXXXXXXX XXXX XXXX to fund the account.I also got a payday loan, in which they ACH deposited the loan into my account. XXXX after the deposits were made, the bank froze my account where I didn't have access to my account. I was told the account would be closed and funds would be sent back. I spoke with several customer service representatives and each time I received the run around and was told I could not get access to the account. I was then told the account was closed. I kept receiving emails about my account statement and would then call and speak with representatives in the fraud department. They assured me that the accounts were closed. After continuously receiving emails for these past 6 years about account statement, I continued to call Sallie Mae Bank and received the same response that the accounts were closed. The bank has recorded calls and notes from every phone call I have made since XXXX. I also have some phone recordings where I spoke with numerous representatives and was told my account was closed, which is was not. Lastly, on XX/XX/XXXX, I recorded a call made to Sallie Mae and spoke with XXXX and he informed me that there are 2 accounts still open. Account ending XXXX with balance of {$1000.00} and account ending XXXX with balance {$27.00}. He stated he could request the account be closed and a check would be mailed out to my address. He then called the fraud department to make sure that would be okay and he said they instructed me to send them proof of the transfer from the XXXXXXXX XXXX I then asked him to transfer me to the fraud department to get the information from them. He transferred me to the fraud department and I spoke with a representative on a recorded line. I asked her what the reason was for my account being frozen and she stated it was because it seemed like fraud. I only had 2 transactions on the account XXXX, so I didn't understand what they meant by fraud. I did not break any laws by transferring money from greendot and getting a payday loan. She stated she spoke with upper management and they said the account would remain open, but frozen. According to the law in South Carolina, a bank can only hold funds 5 years ( Escheatment ). 

I filed a complaint back in XXXX and it stated that Sallie Mae would close these accounts and send the money to the state of Michigan and I have since waited 3 years and I spoke with a representative XXXX XXXX XXXX XXXX who confirmed the accounts are still open.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-06-25
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: JPMORGAN CHASE & CO. (MA)

I have two cards with Chase- ( 1 ) XXXX XXXX ) ( 2 ) Amazon PRIME card. I have never missed a payment. I manage my account online and receive paperless statements. On XX/XX/2022, it came to my attention that my credit line had been significantly reduced. I called to ask why and the customer service person read a form letter that they said they mailed to me - through regular mail. As I mentioned, I manage my account via paperless statements. I had NO IDEA my credit line was - without reason - reduced. Here 's the thing : CHASE can do this and then charge people outrageous " over the limit '' fees. I was lucky, I paid my balances and closed my account. This will impact my credit score. It's a scam- and I want to make you aware of it. I want some kind of action taken -please let me know what I can do to make sure this doesn't happen to someone who has their back against the wall. Thank you for your help.
Consumer complaint received 2022-06-25
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. (VA)

In accordance with the Fair Credit Reporting act, Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Consumer complaint received 2022-06-25
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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.
Consumer complaint received 2022-06-25
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. (FL)

i sent a letters on XX/XX/2022. my tracking is as follows. ( XXXX ) ( XXXX ). to remove personal information that i do not want on my credit repoert. According to the fair credit reporting act 15 USC 1681. i have a right to privacy.

also act 15 USC 6802. it states that no financial institutions is not supposed to share my information to a thrird party people.

these are clear violations of my Federal protected consumer rights.
Consumer complaint received 2023-02-22
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. (NJ)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than XXXX hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within XXXX XXXX that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I deposited my check in person in the branch on yesterday the XXXX I was told that the funds will be available the next day when I deposited the check in person actually it was XXXX day to XXXX days is what I was told. I called into Customer Service later on yesterday afternoon, and the phone representative verified with the bank teller said being that the funds we made available overnight processing, I got an email at XXXX XXXX  that there was a hole that was gon na be there till the XXXX. Ill wait till this morning to call Customer Service had to speak with several representatives by the name he gave of XXXX and when I asked to speak to his supervisor because he was giving me false information of when my phones will be available and the day I deposited my check and he was giving me his opinion of banking policy procedure versus what the actual policy and procedure was I asked to speak to his supervisor he hung up and disconnected the call. The banker made call department and she relayed back to me that they were not going to allow me to get the {$500.00} out of the account like I was told on recorded line with the previous supervisor just spoke with. I called back and got a rude guy on the phone by the name of XXXX, who I informed I want to speak to a supervisor in the XXXX department right away and he had a XXXX  XXXX attitude with me and disconnected the XXXX call call back and I spoke to a supervisor and shes telling me different information from the other supervisor on all of these recorded lines shes telling me that the {$500.00} being released early is that the banks discretion and as I questioned her, why didnt the other supervisor on the recorded line? Tell me the same information that the funds will not be made available unless it was at the bank discretion I said both of the people I spoke to her supervisor within a XXXX to XXXX minute timeframe apart and theyre telling XXXX different things on this recorded line so I closed the extra saves accounts and checking accounts I have until the other XXXX accounts are made positive and clear so I can close them as well and the secured car and I wanted to make sure that the only reason that Im closing all of my accounts with Huntington Bank and will never do business with this bank again is because of XXXX  XXXX customer service on the phone. Ive never had a problem with a branch employee or anything like that. Theres some of the nicest employees you have in your branch especially on XXXX XXXX both of the XXXX XXXX, the bank, and the XXXX inside of XXXX very polite, very helpful very professional, but these foreign rude XXXX people that you have on the phone is unacceptable as well as XXXX supervisors on recording lines telling me XXXX different things within XXXX minutes like you guys are a XXXX up institution I can not wait to my XXXX like I really hate. I even gave you guys a chance to have access to my funds.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (MD)

CFPB compliant # XXXX I received a correspondence from your Equifax dated XX/XX/XXXX via CFPB indicating that the investigation of my disputes was complete. As of date, Equifax is still violating federal law by furnishing these inquiries on my consumer report without my written consent pursuant 15 USC 1681b ( a ) ( 2 ).

Equifax responded alleging that the inquiries in reference were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Im exercising my right under 15 USC 1681i ( a ) ( 7 ) and requesting Equifax method of verification and by federal law they have 15 days to respond upon receipt of this notice. If these accounts was in fact verified as Equifax claim, that would mean that they investigated it and it would also mean that this was in fact an investigative consumer report. Therefore, under 15 USC 1681a ( e ) I want to know exactly Equifax spoke with and the method used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 USC 1681a ( e ) I am demanding the following : - Which neighbor did you speak with? 
- Which associate did you speak with? 
- Which friends did you speak with? 
- Which acquaintances of mine did you speak with? 
- Was the information that you received factual? 

Please keep in mind that Equifax only have 15 days per federal law to respond to this request. If they do not respond in time this information must be permanently removed from my consumer report.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS INCORRECTLY DISPLAYING MY CREDIT HISTORY AS BEING " ONE MONTH '' OLD. I HAVE REPEATEDLY TOLD THESE IDIOTS, MY CREDIT HISTORY GOES BACK TO XX/XX/XXXX. THAT IS LONGER THAN ONE MONTH. MUCH LONGER! THEIR TELEPHONE PERSONNEL ARE USELESS, BESIDES BEING BARELY ABLE TO SPEAK ENGLISH. USUALLY THEY HANG UP ON ME AFTER LESS THAN TWO MINUTES ; THE PHONE CHICK I SPOKE WITH TODAY ( XX/XX/XXXX ) FALSELY ACCUSED ME OF USING " PROFANITY '', AFTER I STATED THAT EXPERIAN ( AS A WHOLE ) OBVIOUSLY DID NOT KNOW WHAT IT WAS DOING. SHE CONNECTED ME WITH AN ALLEGED SUPERVISOR, WHO ALMOST IMMEDIATELY HUNG UP ON ME. EXPERIAN IS COMMITTING FRAUD AGAINST ME, BY REFUSING TO CORRECT THE WRONG INFORMATION, AFTER BEING TOLD OF THEIR ERROR SEVERAL TIMES. 
THIS IS FILED WITH THEM USING EXPERIAN REPORT # XXXX.
Consumer complaint received 2023-05-02
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. (CA)

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

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (FL)

Name : XXXX XXXX XXXX XXXX : XXXX Addres : XXXX XXXX XXXX XXXX, Fl XXXX { XXXX } : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX RE : Validation Required { curr_date } Re : Account Number XXXX ) is reporting a balance of {$20.00} Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), I am entitled to receive a detailed description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher of information who was contacted during the verification process. Furthermore, the Truth in Lending Act ( TILA ) mandates that accurate and transparent information is provided to consumers, particularly when it concerns financial transactions or obligations. 
To comply with both the FCRA and TILA, I respectfully request the following : 1. A full description of the procedures used to verify the information in question.

2. The name, address, and telephone number of the entity or creditor who furnished the disputed information.

3. Copies of any documents, records, or contracts you relied upon in making your determination.

4 Send me proof that you are licensed to collect debt in the my state.

5 Set lisation aguest, XXXX XXXX lifted a under ane roepti letter sent as my formal I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :