davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My Capitol One XXXX account was paid off by a third party on XXXX XXXX, XXXX, and I closed the account. There was a refund balance of {$53.00} left in the account. I was informed that it would be refunded to me by check in 4 cycles. The on line account showed that I was refunded on XX/XX/XXXX. I never received the check. I called and was told the check would be cancelled and reissued and I would receive it in 15 working days. I did not receive it. I have called 4 times now and received the same information. I would receive it in 15 working days. I do not know what else to do. It is not a huge amount of money and I do not understand why they will not send it. I closed my Master Card account with them the same time and I received that refund check just fine over ten days ago and it was issued almost two months after the XXXX  check. 
I just want my refund. I think the banking practices also need oversight.
Consumer complaint received 2020-07-08
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX   XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (TX)

I was trying to refinance my mortgage and found I have a lien against my property for {$6800.00} from Department Stores National Bank from XXXX. I was under the assumption that this matter was agreed to and closed with XXXX XXXX Firm representing my Debt Relief Program with XXXX XXXX. 

This matter was not resolved by XXXX XXXX and I was not notified of the XXXX placed against my personal property. I would like to resolve this with Department Stores National Bank to eliminate the XXXX placed against my personal property at XXXX XXXX Ct XXXX TX XXXX but can not get anyone to call me back. My last correspondence was at XXXX on XX/XX/XXXX. 

I have copies of the Agreed Final Judgement only sign by myself from XX/XX/XXXX ( {$3800.00} payment plan ). Is there a way to obtain these records from XXXX XXXX? 

XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

i have been in correspondence with bank of america for about a month and a half now trying to resolve this matter. I have been a victim of identity theft and bank of america continues to hold me accountable for fraudulent transactions that occurred with my checking account ending in XXXX. I will be attaching my ftc identity theft affidavit that i filled. To my understanding their are federal laws in place for banks to protect consumers funds that are in their bank account. Bank of america is willingly ignoring the laws that are in place for consumers they have sent me a letter stating that the transactions where authorized but they wouldn't respond to my letter when i asked how where they authorized by me they could not show any proof like i requested to determine the transactions where authorized by me. As i explained to XXXX a boa representative with the internet today nobody 's information is safe it's to easy to access peoples information these days and it's alot of identity theft going on i do not want to be held accountable for something i haven't benefited from thank you.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (WV)

On XX/XX/16 I switched from my XXXX XXXX to equitable acceptance. I owe them {$12000.00} with only 2 loans. I was told over the phone that I would pay half of my loans and they would pay the rest. I paid {$970.00} so far on my loans and even on my payment page it said consolidation complete ( informed by dealer I emailed the company about it and asked when they were going to take over because I had another payment due to them and I did not receive an email back from them. ( My email to Equitable acceptance is included in this message ) I stopped making payments for a few months because of financial difficulties and so I called Equitable acceptance back to get re-enrolled and they said none of the money Ive been paying them goes to my student loans period. I was told different from the first time I signed up till this time and Im really infuriated because thats a lot of money to give to someone just to file paperwork like the man said. I looked up online if other people are having issues with them and theres so many people and so many people looking for lawyers over this its unreal. I also had an issue with XXXX. I switched 2 of my loans to them XX/XX/16 and I owe them {$13000.00} Ive paid {$150.00} back to them and more money is going to interest than it is the actual loan and cant seem to get anywhere with them.
Consumer complaint received 2022-06-09
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. (GA)

I have two fraudulent injuries reporting on my transunion credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (MI)

Certified mail was sent to TRANSUNION, And XXXX last year on XX/XX/2021, and also multiple times throughout the year of 2021. I obtained my credit report from Transunion, and XXXX and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If Transunion, or XXXX can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. 
Ive requested the companies Transunion, And XXXX to validate the public Bankruptcy reporting on my credit reports. In response to my letter the companies mentioned to have verified the bankruptcy through the United States Bankruptcy Court. In which I decided to contact the United States Bankruptcy court, in writing asking them to verify that, theyre the ones sharing the public information with credit BUREAUs TransUnion and XXXX. In response to my letter, The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
Transunion An Executive ( XXXX XXXX ) XXXX Worker are refusing to investigate this issue. Delete the public record, and update credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (MD)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-01
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)

I just looked at my credit report XXXX XXXX, XXXX. I noticed some hard inquires that did not have permissible purpose. I also attached evidence below. 

1. XXXX  - XXXX XXXX XXXXThis inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2022-06-09
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. (KS)

Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NJ)

In accordance with the 1972 Fair Credit Reporting Act XXXX  Account 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. Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AL)

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX discharge. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MN)

I was told that I would not have any fees associated with my Citibank Checking account as long as the balance was above {$1500.00}. I left the account without looking at it for over a year because I was confident that there would be no fees after my conversation with a Citibank agent.

I returned to my account and found that I had been charged {$25.00} / month and had over {$400.00} in fees on my account with no other transactions. I asked the bank to refund these fees and they refused.

I asked if there was any way to have a paper trail for written communications with the bank and was told that no, that phone calls and recordings are the only way to manage communications. The agent made a mistake and misinformed me but because of Citibank 's policy there is no way to prove this or make a case. 

They collected hundreds dollars of fees for NO VALUE on a checking account I only kept open because of the explanation that there would be no fees.
Consumer complaint received 2019-10-28
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. (MS)

I filed a dispute with Experian regarding fraud on my credit file. After speaking with Experian I was told the items would be blocked while Experian investigated these items once they received a valid police report. After trying to upload these documents for 2 days I finally submitted them as part of regular dispute with Experian. The other 2 Bureaus promptly blocked the items from my credit file. I was told by Experian that they could not block the items because they did not meet their internal guidelines which is not legal according to their website and FCRA 605B.
Consumer complaint received 2022-07-25
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: CAINE & WEINER COMPANY, INC. (NC)

I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, CAINE WEINER ( Original Creditor : XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-05-03
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 sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out here is the tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX- XXXX XXXX ) XXXX XXXX- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (FL)

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. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX