davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (NY)

1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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 2021-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off transunion report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports
Consumer complaint received 2020-11-27
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. (NY)

All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth third bank paid a XXXX $ overdraft on my behalf and charged my account XXXX $ and an XXXX $ daily fee. I asked that they close my account in XX/XX/XXXX but they refused and kept charging me. 
Now i owe them XXXX $ and are threatening to report to credit berau.
Consumer complaint received 2020-11-28
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Early of this year, I have sent totally {$300000.00} to XXXX in XXXX XXXX ( the XXXX and XXXX XXXX  XXXX XXXX ) for investment on different dates. It was turned out the whole investment thing is a fraud. I have reported my case to my local police department ( XXXX, OH ) in XX/XX/2021 ( case number XXXX ). I have also reported my case to FBI, and the Huntington back back in XX/XX/2021. I have reported the case to XXXX XXXX Police Department in XX/XX/2021 too. So far, I have heard some news from XXXX XXXX Police department, and told me that there were some money in one fraudulent account in XXXX. 

Since I have reported my fraud case to the Huntington bank, I have tried to call them and sent email to them multiple times, however, no one has responded. It seems that this fraud has never happened.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have disputed with XXXX  and, XXXX XXXX XXXX XXXX XXXX also Lvnv funding llc, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or lvnv funding llc nothing with my signature on it I would like for the law to be put in place here.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like a thorough reinvestigation, i sent my license social card bill a affidavit to Transunionn. They recieved it, i sent it with return reciept priority. I asked them to fix and delete all old adress, alias. My name is XXXX XXXX XX/XX/1976. I live at XXXX XXXX  XXXX XXXX XXXX nc XXXX phone # XXXX XXXX XXXX. No other po box or names shall appear on my credit report. Please Delete several inquiries .i do not remember making o my report with no permissible purpose. XXXX ( 4 ). PLease send proof under the FDCPA to accuracy. Please send originnal application with wet ink signature. To substantiate accuracy. I know what a inquiry is i do not rmember givig permission. Plaease send permisible purpose. There is no address on report to contact furnisher making information inacurate. That is a violation. I should be able to contact them to defend myself. Please respond promptly with facts and law. I already contactacted them to resolve this. They have no signed application on record.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within XXXX days. Your failure to do so violates these requirements. Additionally, the XXXX Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Consumer complaint received 2022-02-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A fraudulent charge of {$520.00} was posted on my card on XXXX XXXX, XXXX. Bank of America credited that amount to me on XXXX XXXX, XXXX. The merchant then credited me {$1000.00} on XXXX XXXX, XXXX. Bank of America collected that amount in two transactions for {$520.00} on XXXX XXXX, XXXX. At that point the fraud claim was closed. 
Then on XXXX XXXX, XXXX Bank of America made an accounting error and charged my card a third time resulting in an erroneous charge of {$520.00} being posted to my card. I have called since XXXX and every single day on the week of XXXX XXXX. I have spoken to fraud claim representatives and escalated to management. I was finally told over the phone and by USPS mail that accounting saw their error and would correct it by crediting my card {$520.00} in 7-10 business days from XX/XX/XXXX or on my XXXX statement. 
I paid the {$530.00} balance on my account as my payment was due XXXX XXXX, XXXX or I would incur a late payment fee that I would no doubt have to fight as well. 
On XX/XX/XXXX my statement became available to me and there is still no credit to my account besides the {$530.00} that I paid with my money. Bank of America has not credited me the {$520.00} that they owe me and has dragged this issue out to the point where I paid for their accounting error with my own money.
Consumer complaint received 2021-03-09
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


I reported the theft of my identity to the Federal Trade Commiss and I also have enclosed copies of the Federal Trade Commiss Identity Theft Affidav Please delete the items as soon as possible
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I called aidvantage on XX/XX/XXXX to request a refund for payments that I made during COVID in the amount of {$1700.00} that was paid in 11 separate payments made in XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX. I talked to XXXX, who was really nice and said it would take 7-10 days for the balance to be reflected on my account and then 4-6 weeks to receive the refund after that. She gave me a confirmation ID XXXX. After 7-10 day mark I notice there were no changes to my aidvantage account so I called again on XX/XX/XXXX and spoke with XXXX for an update on my account situation. She reiterated the same spiel and said to wait a couple more weeks then to call back. I checked my account often and did not notice any changes to my account at all and decided to call a third time on XX/XX/XXXX. This time the rep I was talking to made her name inaudible that I couldn't really hear what it was, but basically said to keep waiting. I asked where in the process is my refund at and she couldn't even tell me if it has been approved by aidvantage or the government treasury department and seemed to be responding off of a transcript. I frequent the XXXX forum and saw that there were people who called after XX/XX/XXXX and gotten their refund and account to reflect the refund already so I was confused as to why they seemed to be picking and choosing which accounts were prioritized which is not fair. This is why I am filing a complaint to the CFPB.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (IN)

I am XXXX XXXX and Im submitting this compliant myself with no third party involved. 
I, consumer, natural person went into XXXX on XX/XX/XXXX to purchase a vehicle. I told them I already had a pre-approval through a specific financial institution. They proceeded to violate my consumer rights and run my credit to XXXX XXXX. I didnt authorize this transaction and I want it removed immediately. The same company ran my credit without my authorization on XX/XX/XXXX as well. I want these removed from ALL agencies immediately.
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant 15 usc 1681a2 ( S ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), 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 ; Pursuant 15 usc 1681s -3 ( 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 ;
Consumer complaint received 2022-02-09
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: Avant Holding Company, Inc. (IL)

Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX  ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-11-27
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 — Was not notified of investigation status or results
Company: MidAmerica Mortgage Inc (IN)

I have been a XXXX 's XXXX XXXX XXXX  holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. 
Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. 
This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and 9 members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. 
She said the amount I was paying was low, but it was always more than the minimum. 
She said the ration of my payments were low compared my credit limit. 
She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. 

I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. 

I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. 

They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. 

I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. 
Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-02
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: CORELOGIC INC (NC)

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank is reporting 30 day late 's on my account. I have paid this account and there was a residual balance and/or fee that i was never notified about. I was not told when i called in to make the payment and never received any other notice from Chase Bank and wasn't aware of the late notations until i pulled my credit.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello i have a Paypal account and they just closed my account without any reason and also they take my money from my account. My Paypal email XXXX. 
they take my money since 2 mounths.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act 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, all have 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.