davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX SER XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

Navient has frequently called me, my friends, and my family about debt collection. They have shared personal information with my friends and family and left voicemails in an attempt to locate me. Navient deceptively told my friends and family they are " listed as points of contact '' on my loans, which is untrue. They have repeatedly contacted these same people even after they were asked to stop contacting them. 

I have reached out to legal counsel and have also saved all of these contact attempts in order to bring litigation against Navient under the FDCPA.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : 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 XXXXXXXX According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-01-04
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 regarding account number XXXX XXXX XXXX XXXX in the amount {$680.00}, 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 that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I attached my Venmo account to my newly downloaded XXXX app for the sole purposes of getting a discount with a trial membership. When I attempted to use my *gift card* balance for the purchase ( rounded to {$42.00} with a donation ), that money was instead taken from my bank account via Venmo. I contacted customer service. They said they could not change the payment method after the order was placed. I was offered a {$5.00} discount off my next purchase at first, then {$7.00} after I got upset. They said they couldn't change my payment method after an order was placed. I was ordering because my partner is sick and specifically requested XXXX XXXX, and I didn't want the order cancelled, so I said something undignified and told them not to cancel the order. As it turns out, XXXX wasn't planning to cancel my order, regardless. ( It may be that the restaurant had already started cooking or they were giving me what feedback they were in order to mislead me into not cancelling it. ) My prior interactions with XXXX have been frustrating. A friend placed an order in one case with a similar result to this one. In XXXX, I placed an order that never showed up but stayed in " waiting '' for hours. Thankfully, it was at least fully refunded. I have avoided XXXX since and only used it, this time, because I had a gift card. I attached my Venmo so I could avoid their exorbitant fees with a free trial membership only for this nonsense to happen. This is definitely a problem with XXXX and maybe one with Venmo. 

I placed pertinent order with a scheduled delivery time of XXXX on XXXX XXXX, XXXX. Order number is XXXX. I have attached screenshots of my interaction with customer service, as well as my order. I am not proud that I cursed. It's not my habit.
Consumer complaint received 2022-07-14
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. (IL)

I discovered that you closed my complaints # XXXX, XXXX, and XXXX last XX/XX/22 when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$930.00} ; XXXX XXXX XXXX : {$28000.00}
Consumer complaint received 2024-12-04
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: CORELOGIC INC (TX)

Inquiries I did not authorize! 
Credco XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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
Consumer complaint received 2022-07-14
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 XXXX Account # XXXX XXXXXXXX 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
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

Please see the E mail I wrote to the bank regarding the issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Combined Account Statements Dear XXXX XXXX I am writing to express my concern and dissatisfaction with the recent decision to combine the statements for two of my personal checking accounts. This change has caused significant inconvenience and disrupted my ability to manage and provide accurate financial records for both personal and business purposes. 

As a longtime valued customer of Bank of the west for 29 years, I have always appreciated the services. However, since it changed to BMO I ran into a lot of issues. One of them is combining the two checking accounts into a single statement that I never requested. This has created challenges, particularly when I need to provide separate statements for my personal transactions as well as my business. The merged statements do not align with my record-keeping practices and have made it difficult to comply with documentation requirements for tax purposes, audits, or any other issues I kindly request that the accounts be returned to separate statements as they were previously with Bank of the West Additionally, I would appreciate your guidance on how this issue can be promptly resolved without further inconvenience. 

I trust that BMO values its customers ' concerns and will take immediate action to address this matter. Please feel free to contact me at XXXX XXXX XXXX should you need further information or clarification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

1. On XX/XX/XXXX, XXXX made hotel reservations at XXXX XXXX XXXX OK for {$160.00} for late XXXX via Capital One travel center. 
2. In XX/XX/XXXX Governor XXXX of Oklahoma closed sectors of businesses including the XXXX XXXX in XXXX according to the manager on duty in the included recorded call. Due to Covid19. 
3. No one contacted XXXX XXXX to tell him the reservation had been changed. 
4. XXXX XXXX fortunately called to confirm the reservation was cancelled prior to the date of check in. Attached is proof of the call. 
5. The hotel confirmed the reservation was cancelled due to force majeure. The features of the hotel including the pool and restaurant, that were advertised, had been closed weeks prior. 
6. The cancellation number is XXXX 7. XXXX then waited to see if the refund was applied to his capital one account. It was not. 
8. Despite the hotel NOT charging XXXX, Capital One kept a charge of {$160.00} on his card 9. XXXX placed an outbound call to capital one for 25 minutes on XX/XX/XXXX. Proof attached. 
10. Capital One told XXXX in the call they would refund the amount within 48 hours. 
11. They did not. 
12. Five days later, XX/XX/XXXX, with no refund, XXXX placed a 1 hour and 53 minutes call. 1 hour and 50 minutes on hold to Capital One. Proof attached. 
13. They told him they had marked the charge as disputed and credited his card back for {$160.00} while it was disputed. 
14. Now today XX/XX/XXXX, Capital One has reversed the charge, adding back the {$160.00}. Without proof. 
15. Again, XXXX did not stay at the hotel, had no control over the reservation, and has a cancellation confirmation, and proof the hotel willingly gave him the refund and did not dispute the cancellation. 
16. In a 33-minute call to Capital One, XXXX was informed of the reversal and that he must once again dispute the charge or it will be considered final. 
17. Capital One and travel partners are committing fraud. The hotel confirmed they were closed on the date of the reservation. They confirmed no amount was charged as I did not stay. Capital One told XXXX they would refund the charge. Capital One refuses to return my money. 
18. Capital One inadequately handled the situation causing XXXX to call in multiple times over the course of nearly 3 hours.

19. Capital One has inadequate staffing to handled calls in a reasonable amount of time.
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (CA)

Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BROKER SOLUTIONS, INC. (NY)

I received a letter from New American Funding regarding refinancing FHA streamline for a reduce interest rate XXXX XX/XX/XXXX I contacted New American Funding and spoke with XXXX XXXX about the letter I received, he explained the FHA streamline program and said he did not have to pull my credit, he said he will run the numbers and get back to me by end of day. There was not a follow-up call from XXXX XXXX XXXX XX/XX/XXXX hours later I received a call from XXXX XXXX stating that he would provide some feedback by end of day, there was no follow-up call. On XX/XX/XXXX, I received notification from XXXX and XXXX XXXX  that New American pulled my credit, completely not authorized by me. On XX/XX/XXXXXXXX  I contacted New American Funding to file a compliant about XXXX XXXX, the representative asked that I contact XXXX XXXX 's supervisor XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX he never returned my calls. On XX/XX/XXXX I spoke with XXXX from the corporate office to file a complaint, I told XXXX XXXX XXXX was not authorized to pull my credit because he said it was needed to run the numbers. I also asked XXXX to pulling the phone recording as confirmation, I have not heard from XXXX.
Consumer complaint received 2023-01-03
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. (MA)

Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : 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 According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXXXXXX XXXX XXXX in the amount {$680.00}, 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 that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (AZ)

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XXXX and Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Delta American Express Skymiles credit card failed to honor its rewards miles after I have spent the required {$3000.00} in the first XXXX XXXX of account opening. I have contacted Amex about this 3 times over the course of the last XXXX XXXX. Their position was that my card was not eligible for the bonus miles because when I applied the card, the website had a popup window alert me to this fact. I denied that I ever saw the popup window when I applied the card, and had I seen it, I would not have gone through with the Delta Amex Skymiles application because I could have used the spending to earn other rewards with my other credit cards. Amex then promised me to investigate this with their IT department to show evidence that the popup window was indeed present during my online account application process. I inquired about the status of their investigation twice and they told me they haven't heard anything from their IT, and the investigation was closed. I ask to open the investigation again and they agreed, but when I later asked for the status, they said again investigation was closed, and again no evidence was produced. The whole back and forth and gone on for over XXXX XXXX and now I feel I have no choice but to file this complaint.