davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX  XXXX, and he did nothing. ( XXXX fled the school after a negative XXXX  XXXX article about him ).
Consumer complaint received 2023-01-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX, MA there was a Housing Grant XXXX XXXX One Mortgage that was income limit based. My Mortgage Loan Officer had me apply for one program, was overqualified, then applied for another program, uploaded all of the required documents in a timely manner, paid for home inspection, appraisal, to then be told, I was over the income limit. So I didn't close/ won't close as anticipated. Moved $ over from Retirement, not a lot, but will have to address any tax penalties.

So the loan officer couldn't tell me that before that I was over the limit? Before I paid {$890.00} for inspection & more than {$400.00} for an appraisal, on a house I won't obtain or acquire. What a reckless waste of time & my hard earned $ and time. 

Is there no recourse for me as a first time home buyer?
Consumer complaint received 2023-01-01
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. (MD)

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 : # 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 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 2023-01-01
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. 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 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 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 2023-01-01
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 XXXX  account # XXXX  back XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 16 USC 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end credit plan as late for any purpose
Consumer complaint received 2023-01-01
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: CREDIT ACCEPTANCE CORPORATION (LA)

I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. 


Inquiries : Name Requested On XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANC 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 CREDIT ACCEPT CORPCAC 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 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
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express offered me a 20 % cash back and XXXX points on restaurant spendings during the first 12 months ( capped at {$250.00} total cash back ). They honored this offer for my small restaurant spendings, but did not honor it on my largest ones. Most recently in XX/XX/2022, they categorized two of my restaurant spendings in XXXX as " other purchases '', rather than as " restaurants ''. 

Upon my inquiry in late XX/XX/2022, Customer Support agreed with me that it was " odd '', but told me to wait a few days and contact them again if the cash back and the XXXX points did not appear. Upon my second inquiry in early XX/XX/2022, Customer Support told me that those restaurant spendings were categorized as " bar & cafe '', rather than restaurants, and so did not qualify for the cash back and the XXXX points. I found this to be arbitrary for two reasons. First, the places where I made the spendings were, to any reasonable person, restaurants, and not bars nor cafes. And the spendings were on meals. Second, I had received XXXX points and cash backs from places that are obviously cafes ( such as XXXX ). So they seem to make a distinction between restaurants and " bars & cafes '' quite arbitrarily, and there is no way customers like myself can determine beforehand whether Amex would categorize a place as a restaurant or a bar/cafe. 

This practice of arbitrary categorization gives Amex the power to exploit their customers, since there is no way for customers to know Amex 's categorization of a particular spending, nor to dispute Amex 's categorization later.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Consumer XXXX CO Account name : Consumer XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : Dept of XXXX XXXX 15 U.S.C 1681 section 602 A. States U 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 2023-01-01
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. (OR)

On XX/XX/2022, I submitted a compliment via CFPB portal concerning some inaccurate information being reported on my Equifax credit report. I also submitted the same report to XXXX, they carefully read my complaint an Deleted the inaccurate accounts. Equifax however read the complaint an updated the accounts from a closed account to 120 day late. How can you furnish this information knowing that all of the accounts where inaccurate. Equifax ingnored my findings more than 3 times. 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 2023-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XXXX  related forbearance was initiate in 2021. The forbearance ended in 2021 and the loan holder/lender, Bank of America , sent a new agreement to shift the forbearance amount and forbearance payments to the end of the loan period by extending the term of the loan. The signed agreement was sent to the loan holder and confirmation of receipt by the loan holder was confirmed with XXXX postal service. The loan holder lost the agreement signature page. The lender then sent a new agreement with Fannie Mae. Another signed agreement was sent to the lender, The agreement was lost by the lender again. 

Monthly payment were made on the loan fully covering mortgage payments during the period following the forbearance, to date. No payments were missed. The lender has closed the account for payment and has not issued another loan agreement to incorporate the XXXX forbearance amount. The lender appears to be initiating foreclosure. Again, no mortgage payments were missed outside of the forbearance period.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit on XXXX XXXX and due to incorrect information the folowing XXXX inquiries were removed from my credit report : XXXX XXXX XXXX XXXX XXXX I got another copy of my credit report on XXXX XXXX and to my surprise the above inquiries were placed back on my report without any notification from the Credit reporting agency, not even a reinsertion letter which is required by the FCRA. 

I have called Transunion many times to get no solution, i have even been laughed at by the Transunion customer service agents. When i ask for a supervisor they transfer me to another regular representative who is pretending to be a supervisor. 

It is very frustrating. Please help me..
Consumer complaint received 2023-01-01
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. (AZ)

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-02
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. (CA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, 2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : {$6900.00}.
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!
Consumer complaint received 2023-01-01
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. (TX)

tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (TX)

tried to get my 3 free credit reports online on ( the date you tried to get your credit reports ) and was unsuccessful at getting my credit reports/ files. It's very inconvenient for me and I need them as soon as as possible.
Consumer complaint received 2024-10-10
Product: Credit reporting 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: EQUIFAX, INC. (MO)

I filed a complaint in XXXX of XXXX  to Equifax because I can not see my accurate credit report on XXXX. I am being rejected for business credit now because of this issue. Equifax is withholding information. I sent a bill proving what my address is at the moment. Equifax is damaging my reputation.
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In 2010, the value on my property had dropped significantly due to the mortgage meltdown, so my wife and I became behind on payments on our first and second mortgage. We were advised by an attorney to file bankruptcy. We had to file Chapter XXXX, because of our combined income, and later converted the case to Chapter XXXX when my wife lost her job. The Chapter XXXX bankruptcy was discharged in 2010, eliminating my 2nd mortgage and allowing me to keep the 1st mortgage and my home.