davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Main Street Personal Finance (MI)

onXX/XX/19,IwentintothepaydayloanofficelocatedatXXXXXXXXXXXXtogetaloanfor{$400.00}.Iwantedtolendittomydaughterforherdepositonherapartment.Ipresentedcheck#XXXXintheamountof{$450.00}totheclerk.ShenotedthatmynextpaycheckfromSocialSecuritywasXX/XX/19.ThiswasonedaylessthantheXX/XX/19whichshesaidwaswithinher30-daytransactionalruleforrepayment.Ididnotthinktheonedaywouldbeanissue.Wellitturnedouttobeanissuebecausemydaughter'srepaymenttomeofwhatIborrowedtogivetoherdidnothappenwithin29days.IcalledtheMerchanttwice:boththeweekbeforetheloanwasdueandthedaybeforeitwasdue.Nooneseemedtohaveconcreteanswers,buttheclerkondutyputaonedayholdonthecheck.ThiswasfinebecauseIknewthemoneywouldbedepositedbymidnightandIwouldnotneedtheentire24hours.

SincemySocialSecuritycheckdroppedatmidnightonXX/XX/19,IwentintothepaydayloanmerchantthenextmorningandredeemedCheck#XXXXforcash.ThecheckwasreturnedtomeandIhavethebankreceiptwhereIwithdrewthemoney.Somehowcheck#XXXXwaspresentedtothebankelectronicallyonXX/XX/19bythemerchantafterIhadalreadyrepaidthemwithacashpayment.ThecheckclearedmyaccountonXX/XX/19.Thismeansthemerchantgotpaidtwiceor{$900.00}.Thiscausedfiveoverdraftsinmyaccountplustheadditional{$450.00}whichshouldnothavebeentaken.Thiscreatesahardshipforsomeoneonafixedincomethatthemerchantwouldbethiscarelessordishonest.ThishasbeenamajorinconvenienceandIwillnotdropthisissuebecauseitmeansthatIwillbethreeweekswithmyaccountinanegativebalanceandIcan'ttakecareofmyfinancialobligationsforthemonthofXXXX.Thisincludesfood,gasandothernecessities.
Consumer complaint received 2022-06-17
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: Bread Financial Holdings, Inc. (GA)

Creditor Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/18 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2022-06-17
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. (MD)

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 ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MT)

A year ago I applied for a XXXX XXXX credit card and was approved for a XXXX limit I have not kept a high balance on the card and currently owe less than XXXX. Synchrony bank decided to do a credit pull and decrease my limit from the XXXX to XXXX which has shown that the card is now maxed out and causing a credit score drop on my credit report. I have attempted through XXXX XXXXXXXX to resolve and Synchrony has denied to restore my card at the original limits I was approved for. Credit fluctuates and it is truly unfair to punish a card holder not by only decreasing the limit on the card but causing a negative remark on my credit report which was a total of XXXX points. I have a XXXX  XXXX card that around the same time decided to increase my limit from XXXX to XXXX so it is extremely confusing and frustrating for me to get a decrease in my limit when I don't keep the card maxed out and I am making payments on top of the damage this did to my credit score on my credit report.
Consumer complaint received 2022-06-17
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. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo
Consumer complaint received 2022-06-17
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. (NC)

I have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # starting with XXXX, XXXX  XXXX XXXX Account # starting with XXXX, XXXX XXXX  Account # starting with XXXX, XXXX XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
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. (NC)

I have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (AE)

Im aware of Omni Financial violated the Military Lending Act, Electronic Fund Transfer Act & I was seeing was there anyway to get reimburse with a check from CFPB. 

XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$2500.00}
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX account # 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 a account without my written instructions.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/XXXX I purchase a new vehicle ( XXXX XXXX XXXX # XXXX ) and financed with Chrysler Capital who turned out to be entier nightmare for my entire Lease and the last 6 months of my Lease, I was given inadequate statements reflecting the wrong amounts which also conflicted with their online platform payment amounts. I called repeatedly and spoke to representatives and supervisors to provide me with the correct amount and was assured every time that it would be corrected and was provided a different amount but that it was the correct amount to be current. But despite me providing the amount that I was given, I was still marked late and I would have to call back the following month to get the issue resolved again or at least I thought. After months of this back and forth I cried to a representative of how this is ruining my credit history and she explained that for some reason the payments were being inputted wrong in their system and was being applied to the interest but not the principal and therefore making me short and then the system would report me late on my payments. I asked if this problem could be reported nad fixed and nothing was ever done and in fact the nightmare would appear the next month. Finally in XXXX the nightmare ended when my Lease was over and I also had to pay close to {$1000.00} to end my Lease but the worst part is that it ruined my credit as they furnished late payments on my credit report and sent it to other consumer reporting companies. It has been years but this still has ruined my credit which was by no fault of mine but of their numerous systemic errors that they knew of these inaccuracies and never made an attempt to fix them. When Chrysler Capital furnished inaccurate negative consumer information to XXXX, XXXX and XXXX it negatively affected my access to credit and purchasing a new home with a competitive interest rate. Chrysler Capital violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies even after all my phone calls and repeated disputes. They continued to furnish inaccurate and incomplete information and to modify or delete information that I continued to dispute. They need to be held accountable for their inaccuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ).
Consumer complaint received 2022-06-17
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, XX/XX/XXXX, Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (MS)

Received a call from ( XXXX ) XXXX. The lady said her name was XXXX calling from First Source Advantage LLC. She never asked for me by name. Also the number ( XXXX ) she asked to be called back on was different than the caller ID number. I then looked up the number and read all these complaints about it being a scam. Ive never received any mail from this so called company. I would like my number removed and if need be I would like to be ceased and dismissed. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

fidelity capital holdings inc. this is the collection company that handling my case the original creditor is XXXX XXXX.what happen is someone come to my house 2 times but were not home but on the 3rd time she got me its a lady and she told me that shes serving me so she gave me the documents and i told them im not gon na sign for it. but she still drop the documents infront of me and left. so i took the documents and read it .and its said on the documents it was filed in the court in XXXX courthouse and the hearing date is XXXX XXXX @ XXXX ; XXXX XXXX dept.f43 case no XXXX..actually this accounts is really old since XXXX.so what i did is the following day i called fidelity and ask how much did i owe XXXX and one of the customer service told me that its XXXX plus now so i told them why its like that she said because of the interest.i was trying to negotiate them for half of it i will pay but they said XXXX will not be able to negotiate.and they told me i have a house they will put a lien to my house.so idont dont know what to do im thinking ill just appear on XX/XX/2020 and i will ask the judge if he can lower the amount.its good i saw cfpb maybe you can help me and what to do please advise.. thank you so much.. hoping for your earliest reply god bless ...
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bofa account linked to edd, my card expired and a new one was never sent. I have tried to contact them several times thru email, telephone and the bofa website only to be told there is a problem with my account then it boots me off. I have been waiting for this card so I can access my funds and pay my bills. I cant get ahold of anyone and am at my whits end. hopefully you can help me please. my phone number is XXXX XXXX XXXX my email address is XXXX. thank you my name is XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian is reporting an old address that is 4 years old and I do not receive mail at that location. I sent letters requesting for bureau to have it removed but no response. This is the only bureau that reposts this old address. 

The only name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Company is reporting a XXXXXXXX XXXX XXXX XXXXXXXX TX. This is in accurate information.
Consumer complaint received 2022-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

The MARCUS Application on my XXXX was showing an incorrect balance and added CD 's to my balance that were already closed ... .I only found out because I was going to close the CD 's and the application said there were " technical difficulties ''. 
I called MARCUS and spoke to a supervisor. His computer showed a different balance than my XXXX app... .a very significant difference! Also, his computer showed 2 CD 's had been closed in XX/XX/2022 ... .but this did not show up on my MARCUS XXXX app. 
He suggested originally suggested I delete the application then re-load it ... .but I did not ... .I just don't understand why I can sign in and log out of the MARCUS XXXX app and get entirely different accounting from what MARCUS has !
Consumer complaint received 2020-04-28
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. (TX)

I am a victim of identity theft. I have provided Experian Credit Reporting Agency with doucumets to support my claim. I have Submitted documents that included a copy of my Government issued Drivers License, Police Report, FTC Report and letter requesting for Fraudulent accounts to be suppressed from my credit profile. Spoke with an Experian Agent on XX/XX/20 and was informed that all documents has been received. My request was to Block all reported Fraud accounts within 5 business days as required by the Fair Credit Reporting Act ( FCRA ). As of today the following Fraudulent Accounts are still reporting in my credit profile. 

Fraud Accounts 1. XXXXXXXX XXXXXXXX 2.XXXX XXXX 3.XXXX XXXX