davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I HAVE CONTACTED EXPERIAN AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

XXXX XXXX IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

Santander USA has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by Santander which shows my account as a charge off with money due to them. I have requested an extensive amount of information from Santander which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
Consumer complaint received 2020-09-03
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: AMERICAN EXPRESS COMPANY (AZ)

First, I asked American Express to close three of my then 4 credit card accounts due to a separate dispute I had with them concerning a simple way to allow my girlfriend who is an authorized user on my account to take advance of the AMEX offers. Notwithstanding, after irritating me beyond reason, they closed 2 accounts correctly and then screwed up and closed my XXXX XXXX Preferred card # XXXX, and did not close my Hilton Honors card # XXXX. So after several phone calls the XXXX   finally closed the correct card Hilton Honors card but not before they made me go through all kinds of hoops to reopen the XXXX XXXX  Preferred card which was closed due to their negligence 100 %.

The problem now is my Hilton Honors card had a credit balance on it for {$280.00} which was supposed to go to my XXXX XXXX Preferred card which it has not. The customer service XXXX said it was supposed to credit within a few days and that was on XX/XX/2010. It has not posted yet as of XX/XX/XXXX which is the date of this complaint. 

Solution : I would like my credit to posted immediately for the {$280.00} they owe me and to be compensated an additional {$200.00} for my time, aggravation and stress they have caused. Otherwise, I will never use any of their cards again and proceed to expose online and throughout social media my story and opinion of the new sub normal American Express and how they treat and long time good paying customers. To this date I don't believe I have ever missed a payment in over 20 years and probably charged in excess of {$200000.00} during that time period. This is how they show appreciation? XXXX them. 

Thank you for your time and consideration with this matter. 

XXXX XXXX
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} XXXX recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. When I tried to make a purchase on the {$12000.00} ( blue cash back card ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. Then on another card ( Amex gold delta sky miles ) today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX eats purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). I have done nothing wrong nor have I done anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX app purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX eats pass
Consumer complaint received 2022-08-19
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: Santander Consumer USA Holdings Inc. (FL)

To Whom It May Concern, While checking my most recent XXXX and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-08-20
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. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below haws violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

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 Account XXXX XXXX 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 2 : It also states a consume4r reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not garnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
Experian Negative Accounts : 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 Negative Accounts 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 Negative Accounts : XXXX XXXX  XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

its been more than 30 days since I asked Experian to show me proof that the fraudulent account was mine, I asked for real original signature of mine that I signed to agree that debt was mine and I also asked to validate the debt. And all they send back to me is just my credit report and statements of the accounts. They were never able to prove to me that XXXX XXXX/XXXX XXXX account belongs to me.
Consumer complaint received 2020-09-16
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. (MN)

I contacted Transunion in regards to incorrect information on my credit report. They responded that they verified the information is accurate. They never did an investigation to prove the accuracy of this account. They never marked this account as " disputed by consumer '' on my credit report like they were supposed to. They never sent me a letter validating the information. Now they are extending how long this will reporting on my credit report which is illegal.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, Navy Federal Credit Union withdrawn a payment of XXXX from my savings account without my consent to apply towards an outstanding balance of {$11000.00} dollars for a credit card debt of {$12000.00} that was never validated that continues to report on my credit reports with XXXX, XXXX, and XXXX by Navy Federal Credit Union. 

Navy Federal Credit Union hired a third-party debt collector XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX to collect on the debt. XXXX XXXX, XXXX could not validate the debt of {$12000.00} so, they ceased communication with me and trying to report on the debt with all the credit bureaus on XX/XX/XXXX. 

Navy Federal Credit Union has violated my rights under the Fair Debt Collection Practices Act by reporting and collecting on a debt that they have not validated. They have fraudulently stolen money from my savings account and have restarted the statue of limitations over on a debt {$12000.00} that has restarted the aging process of the debt over which is illegal.
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX  Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2022-04-27
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: Lentegrity Management, LLC (FL)

Hello, In XXXX of XXXX I applied for a credit card loan through a used car XXXX XXXX XXXX XXXX XXXX ''. I approved the company to pull my credit report XXXX time yet I had XXXX hard inquiries pulled within the same few days by the XXXX. When I complained they said that all XXXX would be reported and affect my score as if only XXXX was pulled. Now, many months later when I am looking into buying my first house, the XXXX XXXX XXXX are still affecting my score. Please advise on how to reduce these XXXX back to XXXX. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

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  Thank you greatly, XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NJ)

Starting XX/XX/2021 we have been trying as a family to get our funds out of people 's bank with many road blocks, a year later we still have no resolution. 

The banks manager?, XXXX XXXX, at Peoples BANK, NOW M AND T keeps stalling, sending forms to incorrect addresses, asking for more items to be notarized, or for my XXXX XXXX XXXX mother who is no longer in the state to come and pick up a check. 

As of last correspondence the most recent info to be notarized was sent to my incorrect address even though we gave him the address record- - it seems he intentionally, maliciously changed the street # misspelled the town and gave the wrong zip to stall. 

we need resolution quick as this is putting undue stress on my mom who is XXXX XXXX XXXX and caring for her ailing  husband who doesn't have long to live. 

A TRIP OUT OF STATE TO THE XXXX BRANCH IS OUT OF OUR ABILITY AS WE ARE CARING FOR A VERY SICK MAN. 

PLEASE LET US KNOW OUR OPTIONS FOR GETTING THE MONEY OUT WITHOUT HASSLE. 

WE HAVE PROVIDED NUMEROUS FORMS, REVOCATIONS OF TRUSTS, PROOF OF NAME CHANGE, NOTARIZED SIGNATUUES ASKING FOR THE MONEY,. 

I think honestly we are dealing with someone who for some reason is acting illegally and unprofessionally holding back our money and we ned help. 

thank you XXXX, XXXX, XXXX and XXXX
Consumer complaint received 2020-09-03
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. (NY)

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, XXXX and Experian I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX ). As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX-XX/XX/XXXX ( attached statement ). The statement for XXXX.-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from TransUnion, XXXX  and XXXX  I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX.-XX/XX/XXXX ( attached statement ). The statement for XXXX-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NJ)

I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.