davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (NC)

I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Experian to repost anything on my consumer report. Without my consent Experian has committed Identity Thief. There are XXXX different accounts that need to be removed. I have given them XXXX different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by experian, a signed letter from a Notary Public, and a invoice for the XXXX federal violated rights. Each violation made my experian are for {$1000.00} dollars per violation.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 an account without my written instructions.
Consumer complaint received 2022-10-08
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: Bridgecrest Acceptance Corporation (CO)

Accordance with the Fair reporting act this creditor has violated my rights. Under 15 usc 1681 section 2 states I have the right for privacy. USC 1681 section 604a a consumer reporting agency can not furnish an account without my written instructions. Under uscs 1666b a creditor can not treat treat a payment on a credit card account under an open consumer account open end as late for any purpose.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Century Financial Services, Inc. (PA)

XX/XX/XXXX, XXXXew Century Financial, XXXX XXXX XXXX attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt ) envelope from XXXX, XXXX, XXXX XXXX. 

XX/XX/XXXX I received a certified mail package From New Century Financial, XXXX, and Superior Court of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

New Century Financial remained Plaintiff, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that XXXX ) this debt was paid by bank levy, 2 XXXX XXXX and New Century have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

1. I purchased a prepaid credit card from https : //www.amexgiftcard.com/ on XXXX XXXX for {$81.00}. I used my citi credit card to make the purchase. 

2. I tried to use the card and ran into problems. I called amexgiftcard on XXXX, and they processed a refund, including purchase fees, and emailed me that I will get it in 5-7 business days XXXX XXXX. The card is canceled as it was being refunded and can not be used. At the same time, I purchased another card from them, which worked and I was able to use it.

3. After waiting for several weeks and not receiving a refund, I called them. They told me they are sorry, and they will email the " back office '' to process the refund.

4. Nothing happened. I called 3 more times, each time spending at least an hour on the phone, with the same response in # 3.

5. They never processed my refund or gave me back my money.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my Experian credit report today and saw where it was reflecting a hard inquiry from an account called XXXX CARD. Now I never applied for such a card or had an agent acting on my behalf apply for this card on my behalf. I never applied for any services that would result in a hard pull on my Experian credit report. So, I am asking kindly that this be deleted from my credit report immediately please.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CT)

XXXX, BJSCLUB, XXXX accounts were all payed off and closed,,, with the exception of of my BJ 's card it has a {$84.00} listing when this card was clearly denied when I received the card, the card was sent back and this should show as deleted,,,, all of them shouldn't remains on my credit report all this stuff is expunged.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to XXXX, Equifax, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My prepaid XXXX card has been frozen and the funds were already in there I know a lot of people arguing with the same thing I've been dealing with this since the XXXX of XXXX XX/XX/20 I need my money they already saw the situation and I need my card unlocked unfrozen to be exact so if you can help with that problem I'm not trying to be homeless anymore I'm going through a lot of issues and I need my card to be unlocked So that's my plight right now so if you can take care of that thank you
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX XXXX, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED
Consumer complaint received 2021-02-13
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: NRA Group, LLC (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2023-01-09
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (FL)

Hi, I was looking for to apply for the loan for XXXX XXXX XXXX. It was XX/XX/22. 
I registered my account on Salle Mae website to get more information on loan requirements. 
When I registered on their website it was no clear data on loan application processes. 
I noticed that it was some misconduct and negligence involved when I filling out my application online. 
1- when my application was completed many of the fields in application was empty such as my work history, education level and etc.

2 - My application was declined based on my origins, and its in official report, which is contradict their own rules. When they posted decision of my loan it was specifically said that my loan was declined because national origin! And I know they can not discriminate loan applicants based on place of nationality!!! 
Conclusion : -My loan was declined based on national origin. 
- My loan inquiry was reported to XXXX XXXX services which effected my XXXX XXXX XXXX -they knew I will not be qualified for loan, but they still proceeded my application which caused my XXXX XXXX goes down - and Im feel being Discriminated by their financial institution. 
Solution :- they should cease and desist in their further harmful actions which effected my life and my financial stability. And take all false information from credit reports.
Consumer complaint received 2021-02-13
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: Experian Information Solutions Inc. (MI)

I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

just happened XXXX 2021 it was my first trnsaction using paypal, im using XXXX to sell/exchange bitcoin,,, the client paid me {$56.00} minus $ XXXX {$53.00} in total, ,i only gain XXXX to that transaction and my account now is limited for 180days, ,im just ordinary person whos looking for other source of income, ,what i want from paypal is to regain my full acces from them so i can continue what i started, ,thank you, ,my paypal is XXXX XXXX
Consumer complaint received 2022-12-15
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. (SC)

I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-13
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. (MI)

I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.
Consumer complaint received 2022-11-30
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (NJ)

XXXX XXXX no longer works with Regional Acceptance. I am in a XXXX XXXX since XXXX. I bought the car XX/XX/XXXX being told the XXXX payments not to worry! That in 6mo I can refinance! It is now 17months later and tried to refinance but RAC my interest is so high that no bank or credit union can approve me. I find it over valuing or over charging. 172 percent over the cars value. It is a XXXX. My down payment was XXXX and I have already paid them over XXXX. The car was XXXX. They take XXXX of my XXXX payment just toward interest. 300 month plus insurance is affordable. It is bankrupting me literally owning this car and I must have a car. I am a NJ field rep. Even my employer has tried to ask them to work with me. They don't listen and my dealer too stopped working with them! I make just XXXX XXXX gross a year single parent with a mortgage and all this time paying this amount when during the contract process as was told at 6mo I can refinance for lower. Now I lost so much time and money. I cant save and also the vehicle doesn't take standard oil change! My oil changes are XXXX. The point is their managers do not call you back. If I pay this loan for 6 years at XXXX net a year that's XXXX for what should be a XXXX loan. I could be in a brand new vehicle. This is a XXXX vehicle XXXX by XXXX. Their math their loan practice and lack of working with the credit union or other sources they referred me to. XXXX XXXX and XXXX XXXX all say to refinance you can't be more than 125 loan to value. Regional is 172 percent and I am in my loan since XX/XX/XXXX! This is too much too suspicious and almost robbing me as a consumer. I cant be charged all this. My credit score is XXXX. I am a XXXX survivor and work full time. This stress is affecting me in a financial and physical way. I pay them and currently have a half payment due. I am trying to correct this cost asap and get into a more reasonable payment that is sensible fair and affordable. With insurance before any maintenance or gas this car is almost XXXX a month. Again at the time of sale I was told if I took the vehicle in an hour papers were signed and days later they began the final contract locking me into XXXX and here we are XX/XX/XXXX. I could have refinanced as promised at contract 14 months ago! I can not afford to keep losing money. The tactics are very wrong. Please see what you can do. Thank You.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Report of XXXX led to theft of card ending in XXXX again. Concern is the lack of privacy and the lack of enforcement surrounding thefts of financial records regarding matters involving Bank of America ( where subject of complaint is a financial institution ), CFPB ( regulating agency receiving reports about financial institutions not administering finances according to law ) and credit reporting agencies ( third party entities receiving information reported through regulating agencies and financial institutions ). I have not authorized a third party to act as my agent in this matter or any of the other matters filed through the CFPB and with any of the financial institutions listed on my credit reporting agency for anyone to lead or instruct a third party to perform such thefts.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  XXXX  XXXX Balance {$800.00} This account has been transferred/sold, but. This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Consumer complaint received 2022-08-20
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)

XXXX accordance with the Fair Credit Reporting Act 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 instruction.