davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number 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.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, Bank of America Hold my account and put a XXXX $ debt on my checking account. After I had multiple phone call and visit branch office of BOA, they said my account is under fraud review and said it may take up to 90 days. However, I never let others used my account nor using it for suspicious activity. I feel confused and extremely disappointed that BOA block my account for no reason and still havent solve the issues. My primary money resource is from BOA checking account, now my daily life is heavily affected by this hold.
Consumer complaint received 2024-10-24
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)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2022-04-20
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. (CO)

TransUnion is still reporting one of my three student loans with XXXX as not current and 60 days past due both XXXX AND XXXX are reporting correctly. Someone needs to take a serious look into TransUnion none of their representatives are based in the United States and they do not understand the simple idea of student loans and how they work this is affecting my ability to qualify for my home loan and will cause me to not have a roof over my head please address ASAP!!
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting ActXXXX XXXX XXXX XXXX account # 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Please remove inaccurate personal information/addresses listed on the credit report. 

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 - Please Remove Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On the XX/XX/year> I paid off the total current balance of {$130.00} with the representative help. The representative had assured me that my balance would be XXXX after that payment I made by taking care of all previous unintentional fees and charges. I regret to say that did not resolve my account issue. From the next month Victoria Secret XXXX scam credit card division started charging late fees and late fees and interest on top of the balance of illegitimate late fees. Their scam department keep calling me and bothering me to pay off those late fees and interest on top of it. I am so offended by the Victoria Secret credit card scamming activities and it has been harming my credit scores every month. They have called me and threatened me if I do not pay those late fees then they are going to keep charging me late fees and interest and destroy my credit scores! FYI, prior tot he last payment I did try to make some month payment on the due date but their system never let me allowed to make the payment on the same date and I had found it is also their tricks to charge late fee to their customer. 
So I would like to request you ( authority ) to contact with them and ask to remove all these illegitimate late fees and interest and stop harassing me. I would also like to see my credit score recovered from this false charges. 
Thank you and regards Victim of Victoria Secret Credit Card Scammer group!
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (MD)

I received an email XX/XX/XXXX From Avant CC that they became aware of suspicious activity on my cc and my account had been blocked. I logged onto my acct and saw the red banner indicating a block with a phone # for customer support. There was XXXX in charges that I did not make. Both transactions were on XXXX for XXXX ea from XXXX XXXX XXXX , I paid this card in full on XX/XX/XXXX in the amt of XXXX bringing the acct balance to XXXX dollars. I called Avant customer service multiple times on XXXX and XXXX and was on hold for a total of at least 3hrs. As well, i emailed creditcards @ avant, com 4xs and have not received a response. I did speak with a rep, XXXX, on XXXX later that night at XXXX, she stated her name was XXXX and worked for a 3rd party company that takes information for Avant. I did provide her with a fraud complaint with regard to the above amount. She could not and did not provide me with a complaint number. She stated that AVant would be in touch with me to discuss further details. She stated that she requested that my account be closed and no new card was to be sent. 
At this time, Avant has not responded to my emails and no f/u call has been received. As well, there are several complaints on their XXXX page about fraudulent charges and that no one can get in touch with Avant. 
This company is not acting in good faith and at best is conducting business with little to no ethics. 
I do not want to be responsible for these charges, I do not want my credit to be affected due to their lack of response and I want Avant held accountable for not responding to their customers They can be contacted : Avant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # 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 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 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 2022-04-22
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. (AL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # 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 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 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 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Several inquiries on my consumer report without my consent/ authorization. Credit bureau claiming to not have received my previous Police Report nor my FTC Identity theft report.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC (MI)

I needed to finance a home improvement project. I had told the company who was going to do the project for me that my spouse already had a loan through service finance. The company itself and their service finance agent, were not aware that service finance only finances one project per house hold and not per SSN. Therefore, my application was declined. 
I understand mistakes happen, but since i had not fault in this whole thing I would like to dispute this hard inquiry on my credit report with all credit Bureaus. I have an excellent credit and i work hard to keep it perfect.
Consumer complaint received 2022-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NV)

This account does not belong to me. I have been fighting this account for one year. I got a letter from them stating this account doesn't belong to me. I have had issues and when you call and talk to them no one knows what they are doing. I have supplied all documents and until this day there is no proof of any signatures or any contracts. They had blocked this off from my bureau now once again it's on my credit I have a letter from them date XX/XX/2022. How is this possible that I'm being harassed to pay a debt I'm not responsible for?? I will file a XXXX complaint this is costing me a lot and at this point no resolution
Consumer complaint received 2022-05-04
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 (NY)

I run a small business and I spend roughly $ XXXX $ XXXX per month with American Express . 

Our credit limit is nowhere near where it needs to be to operate efficiently. Every month I have vendors break up our bills and run portions, which are immediately paid off by me, and then have them run the remainders, until our full invoice is paid off. This happens several times every single month. Our vendors are irritated with us as a result. 

Today I spent XXXX hours on the phone with American Express ( again ), trying to increase our credit limit to be somewhere where we can actually operate effectively, all the while being passed along to various " customer service reps '' who tell me that someone else in another department can help me. Finally, I speak to someone whose able to submit an underwriting request to increase our credit limit, and she tells me I need to connect my bank account as part of the credit review process. I explain that we have multiple bank accounts since we use different accounts for different functions. She said this wasn't a problem and to connect them all for the review process. However, I was able to only connect one via American Express ' online portal. I tried to call them back and explain that their online platform couldn't connect with our other bank accounts but while I was on hold my application was declined. 

So now I'm on the phone with them trying to get our application for a limit increase re-opened so I can give them the bank account information that THEY had requested in the first place and they're telling me there's nothing they can do since the application was already rejected and unfortunately that's their " process ''. They did all manage to tell me that they " completely understood '' while suggesting that I should call them back in 3 business days to try again - because that's what everyone has lots of, dozens of spare hours a week to spend with these idiots. 

I have never been late paying a bill. I have a total balance of over $ XXXX in my bank accounts. Annually, I charge about XXXX XXXX XXXXXXXX dollars through American Express, not that it seems like they're particularly interested in that. 

Choosing to go with American Express for our needs was a mistake. They are not business-friendly whatsoever. I hope anyone considering them will reconsider after reading this.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.
Consumer complaint received 2022-05-04
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. (IL)

I recently contacted the CFPB under CFPB case : XXXX and I am unpleased with the results. Stated in the documentation provided by XXXX XXXX it is stated that they were unable to provide a signed copy of an application to provide, however used unsensitive information that can be found on the web to proof that I am owner of this account. I am going to ask for my previous demand for the late payments to be removed as I had auto-pay and the payment should of went through on XX/XX/2020 however there was an issue with XXXX XXXX on their end. Also it is reportedly unfactual to mark a payment for being 30 days late if the due date was XX/XX/2020 and you recieved the payment on XX/XX/2020. That's 12 days later due to an error on your systems, along with your reporting a payment for 30 days late when it was never 30 days late is infactual reporting on my behalf.
Consumer complaint received 2022-07-10
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. (FL)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX , Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

I applied for the Public Service Loan Forgiveness 3 times and was denied each time. My loans were held by XXXX at the time. They said I didnt have the right kind of loans, but I was never advised to consolidate them into a direct loan and was never told why my loans didnt count. I gave up after the XXXX attempt/denial and consolidated the loans last year with a XXXX/Mohela in order to pay them back. I have worked as a physician at a federally qualified health center for 11 years and at the VA for one year. This year, I believe I would have qualified for the PSLF program had I not been given horrible advice last year from the federal governments educational loan department. It cost me {$34000.00} at the minimum.