davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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. (SC)

This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.
Consumer complaint received 2021-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (OH)

Yes I applied for a XXXX loan on line with XXXX main financial. Pre approval. Than they called me asked me my finances and too bring in my pay stub. I told them I'm on XXXX. They said no problem. I told her I need the money too pay off my 2major credit cards. She said come down your approved. So I sat down with her and she said looks good. Than she left talked too someone I guess. Said I can get the loan because if my finances the loan payment would have been XXXX a month. I was happy. I could afford that. Paying biff the 2credit cards would have saved me on both cards like XXXX ; a month alone. They did not figure my finances right. I know what I can afford. She said we don't go by credit. We got by what you can afford. They did run my credit they lied. Lost 6points. Hard inquiry. Want them too contract all 3credit bureau 's get them delivered out of courtesy. Also XXXX XXXX just approved me for a loan also. They lost good customer.
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Today is XX/XX/XXXX. Perhaps Experian and XXXX XXXX XXXX XXXX can act like Americans for a change instead of listening to their attorneys. 
I submitted- I asked for the permissible permission used to have accessed my credit report by XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and Experian in XX/XX/XXXX that I had requested for 5 years. Experian replied - According to our records, the disputed item does not appear on your personal credit report at this time. This is false and is still on my report. 
Experian replied - Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicate that there is an inaccurate account listed on the credit report that need to be removed. Upon further research and investigation, according to our record you previously request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the inaccuracy of this account with which you disagree. They responded and verified that the disputed information was accurate as reported.
Consumer complaint received 2022-07-04
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)

THIS ACCOUNT HAS VIOLATED MY RIGHTS ( ( XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
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. (PA)

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. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX  Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX, XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX Account name : XXXX Account name 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
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 act 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 instruction.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021 my checking account was overdrawn about {$8.00} and change, I transferred the amount to cover that and bring my account up to XXXX cents by XXXX which I was told by a representative is the cut off time. On XX/XX/2021 I noticed I was assessed a {$35.00} overdraft fee and that my online banking transactions had been ordered in a different way than the night before, making my account negative {$4.00}. I called Bank of America twice to resolve the issue and they said that the overdraft fee was valid and that they can not reverse it. Spoke with manager XXXX ID # XXXX who stated that she can not reverse overdraft fee as per computer system not allowing her to.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (GA)

On XX/XX/2021 I XXXX XXXX was informed that a XXXX XXXX XXXX from Halsted Finical Services called my husband at his place of employment phone # and asked to speak with me XXXX XXXX. My husband informed the caller the he was not speaking with XXXX and would he like to leave a message. 

XXXX XXXX then continues to tell my husband all important and personal information about the reason for the call in violation of U S Code 15 1692 ( c ) b ( ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (VT)

My outstanding balance of {$1000.00} was due on XX/XX/2022. 

On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX. 

On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}. 

This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies. 

In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card. 

On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any. 

On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance. 

I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action. 

I informed the associate that TD credit card has until XX/XX/XXXX to response. 

The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.
Consumer complaint received 2023-02-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2021 there was attempted fraud on my bank account, so I had to close it and I opened a new account with the same bank. The bank honored my auto payment obligations while I notified the credit cards of the changes in my account number. I evidently neglected to notify Care Credit of the change. When I received a call on XX/XX/2021 notifying me that my auto payment didnt go through, I gave them my new banking account information and made the payment of the full amount ( {$1300.00} ) using my new debit card. 
Somehow, Care Credit claimed they didnt receive my payment although my bank account showed they did. They required that I prove it, and I did. I sent them a fax with the form my bank gave me to prove payment. They acknowledged their mistake and I thought that was over. Then, my next payment of {$1400.00} did not go through and I called to see why. The agent had transposed the numbers in my bank account, so the payment didn't go through. I corrected their mistake and had them read it back to me to make sure they had it correct. Then they processed my payment. 
I tried to use my Sams Club credit card and it was declined. I had already seen that my Care Credit card had been canceled and I thought the agent had misunderstood me and cancelled it in error. I was told that the Sams Club card was cancelled due to fraud on the account.

My Care Credit statement showed interest charges and a late fee on it. I called and they reversed these charges. But, they told me my card had been canceled due to attempting to pay with a closed account. I have always paid my balances on time. I have done quite a lot of business with Sams Club and Care Credit. I have spent hours on the phone with my bank, with Care Credit reps and having to fax a document to prove your company mishandled the funds they collected on XX/XX/2021. 
It turns out Synchrony also handled my Lowes credit card. So they cancelled all three of my accounts. The reason was : dishonored payments on accounts with Synchrony Bank. So, I lost all my reward points on my Sam 's and Care Credit cards. This caused a financial loss. 
I have already sent them a letter dated XX/XX/2021 requesting they correct their error. Today I was read a statement they issued and filed with my account dated XX/XX/2021 that they stand my their decision. I imagine I will get a copy of this letter from them stating this.

I called to confirm they have the correct banking information for my final payment to Care Credit, but I am nervous that it will get mishandled again.
Consumer complaint received 2022-06-23
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: Federal Adjustment Bureau, Inc. (OH)

Notice for Proof of Claim Account : FEDERAL ADJUSTMENT BUREAU INC # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, SANTANDER CONSUMER USA. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN XXXX. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED SANTANDER CONSUMER USA DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

I'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan. 

On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}. 

I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}. 

I received the following reply XX/XX/XXXX online : Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.
Consumer complaint received 2022-11-05
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. (CA)

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 Experian 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 corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-05-17
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)

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-06-29
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. (NY)

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.

has violated my rights. Or list of inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # 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.